Everything you need to know about medical debt in Hawaii: SOL is 6 years, garnishment capped at 5% of first $100 + 10% of next $100 + 20% of remainder, and 2 state-specific protections apply.
6 years
SOL (open/revolving accounts)
$2,459
Avg medical debt
5% of first $100 + 10% of next
Garnishment cap
HI Uniform Deceptive Trade Practices Act
File complaints: Office of Consumer Protection
DebtShield generates AI dispute letters that cite Hawaii law (HI Uniform Deceptive Trade Practices Act) and federal FDCPA protections.
Generate Hawaii Medical Debt Dispute Letter