Debt Validation Letter in Hawaii
Ask a debt collector to prove a debt. Under the federal Fair Debt Collection Practices Act (15 U.S.C. § 1692g), if you dispute in writing within the validation period, the collector must stop collecting until it sends verification. Send it by certified mail and keep a copy.
What Hawaii law says
| State debt collection law | Yes. HRS chapter 480D bans unfair, deceptive, coercive, abusive or harassing conduct by creditors and others who regularly collect consumer debts owed to themselves (businesses not regulated as collection agencies). Collection agencies are covered separately by HRS chapter 443B. Source: HRS §§ 480D-1, 480D-2 |
|---|---|
| Time limit to sue on a written contract | 6 years from when the claim arises, for an action to recover a debt founded on any contract, obligation or liability. Hawaii uses the same period for written and oral contracts. Source: HRS § 657-1(1) |
Fill it in
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[today's date]
To: [collection agency name], [collector address]
Re: Account number [account or reference number]
I am writing in response to your [letter or call] dated [date of contact]. I dispute this debt and request validation under 15 U.S.C. § 1692g.
Please send me the name of the original creditor, the amount you claim and how it was calculated, and documents showing that you own or are authorized to collect this debt.
Until you provide this verification, please stop collection activity on this account, and contact me only in writing at the address below.
[your name], [your mailing address]
Debt Validation Letter for other states · Hawaii tenant rights
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.