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Hawaii
HIPortfolio Recovery Associates

Dispute Portfolio Recovery Associates in Hawaii

Your Hawaii rights against Portfolio Recovery Associates: SOL is 6 years for credit card debt. Garnishment capped at 5% of first $100 + 10% of next $100 + 20% of remainder.

6 years

Hawaii credit card SOL

HI Uniform Deceptive Trade Practices Act

State collection law

Common Portfolio Recovery Associates Violations

Filing lawsuits on time-barred debt
Adding unauthorized fees to original balance
Calling outside permitted hours

Hawaii Dispute Tips vs Portfolio Recovery Associates

PRA buys debt for pennies — never pay full amount without negotiating
Request the original signed agreement — PRA rarely has it
Document every call with date, time, and representative name

Hawaii Protections

Very low graduated wage garnishment formula
Strong debtor protections

Hawaii Debt Laws

All protections in Hawaii

Portfolio Recovery Associates Overview

All violations & tips

Dispute Portfolio Recovery Associates in Hawaii — $9.99/mo