If the debt has been turned over to a third-party collection agency, you have rights under the Fair Debt Collection Practices Act (FDCPA). These rights include protection against harassment and the right to request validation of the debt. Additionally, Hawaii has a statute of limitations, generally six years, for debt collection. If the debt is older than that, it may be time-barred, meaning you are generally not legally obligated to pay it. We can help you understand your rights, verify the debt, and potentially stop collection efforts if they are unlawful.