Hawaii residents can cite the Unfair and Deceptive Practices Act (Haw. Rev. Stat. § 480-2) alongside FDCPA Section 1692g when disputing Harris & Harris.
Private Right of Action
Yes in Hawaii
Treble Damages
Yes in Hawaii
Auto-Renewal Law
Not enacted
Medical Billing Protection
Yes in Hawaii
Haw. Rev. Stat. § 480-2 prohibits unfair and deceptive practices in Hawaii. Allows up to 3x damages. You can sue directly.DisputeAI cites this statute automatically in your demand letter.
FDCPA Section 1692g requires Harris & Harris to validate the debt within 30 days. Section 1692e prohibits false or misleading representations. Section 1692f prohibits unfair practices. Violations allow statutory damages up to $1,000 plus attorney fees.
AI demand letter citing Haw. Rev. Stat. § 480-2 + FDCPA from $4.99