FAIR DEBT COLLECTION PRACTICES ACT VIOLATION DEMAND LETTER
HAWAII
SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
[DATE]
[DEBT COLLECTOR NAME]
[DEBT COLLECTOR ADDRESS]
[CITY, STATE ZIP]
Re: FDCPA and Hawaii UDAP Violation Demand
Consumer: [CONSUMER FULL NAME]
Account Number: [ACCOUNT NUMBER IF KNOWN]
Dear Sir or Madam:
This law firm represents [CONSUMER FULL NAME], a Hawaii resident.
I. VIOLATIONS IDENTIFIED
Federal FDCPA Violations:
☐ Validation notice failure (15 U.S.C. Section 1692g)
☐ False representations (15 U.S.C. Section 1692e)
☐ Unfair practices (15 U.S.C. Section 1692f)
☐ Harassment (15 U.S.C. Section 1692d)
Hawaii Unfair and Deceptive Practices (HRS Section 480-2):
☐ Unfair methods of competition
☐ Unfair or deceptive acts or practices
Hawaii Collection Agency Licensing (HRS Section 443B):
☐ Unlicensed collection activity
☐ Violation of licensing requirements
II. LEGAL FRAMEWORK
Hawaii UDAP - HRS Chapter 480
HRS Section 480-2 prohibits unfair methods of competition and unfair or deceptive acts or practices. Under HRS Section 480-13, consumers may recover:
- Actual damages
- Treble damages (up to 3x actual)
- Attorney's fees (mandatory)
- Costs
Hawaii Collection Agency Requirements
HRS Section 443B requires collection agencies to be licensed and comply with ethical standards.
III. DAMAGES
| Category | Amount |
|---|---|
| FDCPA Statutory Damages | Up to $1,000 |
| Actual Damages | $[AMOUNT] |
| Hawaii Treble Damages | $[AMOUNT] |
| Attorney's Fees | $[AMOUNT] |
IV. DEMAND
Payment of $[SETTLEMENT DEMAND] within thirty (30) days.
Respectfully submitted,
[LAW FIRM NAME]
[ATTORNEY NAME]
[HAWAII BAR NUMBER]
HAWAII-SPECIFIC REFERENCE
| Element | Hawaii Law |
|---|---|
| UDAP | HRS Chapter 480 |
| Collection Agency Licensing | HRS Section 443B |
| Treble Damages | Available under HRS 480-13 |
| Attorney's Fees | Mandatory |
Consult a Hawaii-licensed attorney before use.