Sued for Debt in Hawaii? We Can Help
Our attorneys negotiate with debt collectors in Hawaii to reduce what you owe — often by 50-70%. Free consultation. Learn about your rights, deadlines, and options below.
Response Deadline: 20 Days
You have 20 days from the date you are served to file your Answer with the Hawaii court. Missing this deadline results in an automatic default judgment against you.
Statute of Limitations in Hawaii
| Debt Type | Years |
|---|---|
| Credit Card | 6 |
| Medical Debt | 6 |
| Auto Loan / Deficiency | 6 |
| Personal Loan | 6 |
| Written Contract | 6 |
| Oral Contract | 6 |
The statute of limitations is measured from the date of your last payment or activity on the account. If the SOL has expired, the debt is time-barred and you have a strong affirmative defense.
Wage Garnishment in Hawaii
Wage garnishment is allowed — up to 25% of disposable earnings
First $100 per week is exempt. Standard federal limits also apply.
Court System in Hawaii
Small claims limit $5,000. District court for larger civil cases.
Filing fees: $50-$250
Hawaii Consumer Protection Law
Hawaii Unfair or Deceptive Acts or Practices (HRS 480)
In addition to the federal FDCPA, Hawaii has its own consumer protection law that may provide additional rights and remedies against debt collectors. Violations of state law can result in additional damages.
How We Help With Hawaii Debt Cases
- Free consultation. Tell us about the lawsuit and the debt. We review your case and assess your options at no cost.
- Case assessment. We evaluate the strength of the collector's case, check for FDCPA violations, and determine the best approach — negotiation, defense, or counterclaim.
- Attorney negotiation. Our attorney contacts the collector directly and negotiates a reduced settlement. Most Hawaii clients save 50-70% of their original debt amount.
- Resolution. You pay the agreed settlement, the lawsuit is dismissed, and the case is closed. No court appearances, no filing paperwork yourself.
Note: You have 20 days to respond to the lawsuit in Hawaii. Contact us as soon as possible to ensure we can negotiate before the deadline.
FAQ: Debt Collection in Hawaii
How long do I have to respond in Hawaii?
20 days from service to file your Answer.
What is the SOL in Hawaii?
6 years for all contract types.
Can they garnish my wages in Hawaii?
Yes, but the first $100 per week is exempt. Federal limits also apply.
Where are debt cases filed in Hawaii?
Small claims for up to $5,000. District court for larger civil claims.
Reviewed by [Attorney Name], Esq. Last updated March 2026. This information is for educational purposes and does not constitute legal advice.
Get Help With Your Hawaii Debt
Our attorneys negotiate with collectors in Hawaii to reduce what you owe. Free consultation — contact us today.
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