What should I do if I am contacted by a debt collector?

If you are contacted by a debt collector in Hawaii, it is important to respond and follow the instructions carefully. First, find out the details of the debt and the identity of the debt collector. It is important to make sure that the debt is yours and that you are being contacted by a legitimate debt collector. If you confirm that the debt is yours, you can consider whether you are able to pay the debt directly. You can also negotiate with the debt collector to arrange manageable payment terms or to reach an alternative solution. It is important to be aware of your rights and obligations under Hawai’i’s consumer fraud law. If you are not able to pay the debt immediately, it may be wise to request the debt collector to immediately stop contacting you and to communicate through letters only. This will provide you with more time to manage the debt. If the debt collector continues to contact you, you can seek legal advice and inform the debt collector in writing that you will not accept another call or contact until the debt collector has provided you with a validation of the debt. Finally, you can also report the debt collector to the Consumer Financial Protection Bureau and your state’s consumer protection agency if you believe that the debt collector is acting inappropriately or violating your rights under consumer fraud law.

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What should I do if I am contacted by a debt collector?

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