IC System is collecting medical debt in Hawaii where the statute of limitations is 6 years. Average medical debt: $2,459. Garnishment limit: 5% of first $100 + 10% of next $100 + 20% of remainder.
6 years
Statute of Limitations
$2,459
Average Medical Debt
5% of first $100 + 1
Garnishment Limit
Known IC System Violations
Reporting unverified debts to credit bureaus
Continuing collection after dispute without validation
Using misleading language about legal consequences
Dispute Strategies
Request itemized bill with CPT codes
Check for No Surprises Act violations
Apply for hospital financial assistance
Dispute errors line by line
Negotiate — hospitals accept 40-60% routinely
Hawaii Protections
HI Uniform Deceptive Trade Practices Act. File complaints with: Office of Consumer Protection.