Your Hawaii rights against Unifin Inc: 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 Unifin Inc Violations
Misrepresenting legal status of debt
Failing to cease collection upon written request
Inaccurate credit reporting
Hawaii Dispute Tips vs Unifin Inc
Unifin collects medical and commercial debts — verify billing codes
Always communicate in writing to create a paper trail
Request proof of their authorization to collect from the original creditor