Dispute Second Round Sub Credit Card Debt in Hawaii
Second Round Sub is collecting credit card debt in Hawaii where the statute of limitations is 6 years. Average credit card debt: $5,221. Garnishment limit: 5% of first $100 + 10% of next $100 + 20% of remainder.
6 years
Statute of Limitations
$5,221
Average Credit Card Debt
5% of first $100 + 1
Garnishment Limit
Known Second Round Sub Violations
Collecting debts they cannot substantiate
Failing to cease collection after dispute
Inaccurate credit bureau reporting
Dispute Strategies
Request debt validation under FDCPA § 1692g
Dispute billing errors under FCBA within 60 days
Check if debt exceeds statute of limitations
Negotiate settlement at 40-60% of balance
File CFPB complaint if collector violates FDCPA
Hawaii Protections
HI Uniform Deceptive Trade Practices Act. File complaints with: Office of Consumer Protection.