Hawaii residents can cite the Unfair and Deceptive Practices Act (Haw. Rev. Stat. § 480-2) alongside FDCPA Section 1692g when disputing Penn Credit Corporation.
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 Penn Credit Corporation 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