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Y     H14 <DL!T$!(#HӀY݌  Ќ XX  (  Z 6Times New Roman Regular\  `$Times NewRoman0 AArial Bold ~!  ݛ{X{X{ ,XX    sKKvKKUKKKKKxKKK  v  TTuTԀv݌  Ќ X,X  XrX B. @XXr      m  #L#   m  @ӌ̌XrX  XrXXXr   #XXrB# ԀHOWTOBREAKOUTOFYOURFINANCIALDILEMMA# ;### n XrXԀ &v ЀXXXXrbyBeatrixShishido b Ѐ#XX##O#XrX R #XXr##   t    "-r(+ 7rXXdXXd7  #    t##  #XX',X LXX'CHAPTERONE BACKGROUND   D       PAGE0410 | CHAPTERTWO HOWTOCLEANUPYOURCREDIT    PAGE1118 T  ЀWITHSAMPLELETTERSCHAPTERTHREE WHATISADEBT?MORECREDIT    PAGE1932    4   CHAPTERFOURRATINGCREDITBUREAUSPAGE3339CHAPTERFIVE LARGESTCREDITBUREAUSANDPAGE4042 L  ЀPHONENUMBERSCHAPTERSIXHOWTOREPAYLENDER/DEALINGPAGE4346πWITHCOLLECTIONAGENCIESCHAPTERSEVENIFYOUHAVENOPROPERTYTOPAGE47̀BORROWAGAINSTCHAPTEREIGHTAGENCIESTHATWILLHELPYOUPAGE4850̀WITHREPAYMENTPLAN(BUDGET)̀ANDGETTHECREDITORSOFF̀YOURBACKCHAPTERNINEWHATTODOWHENTHELENDERPAGE5155̀ASKINGFORPAYMENTANDYOÙDONTHAVEIT/WITHNEGOTIATIOǸLETTERSπCHAPTERTENIFYOURACCOUNTHASBEENPAGE5671̀TURNEDOVERTOACOLLECTIOǸAGENCYCHAPTERELEVENYOURACCOUNTHASBEENTURNEDPAGE7277̀OVERTOANATTORNEYCHAPTERTWELVEBANKRUPTCYPAGE7880CHAPTERTHIRTEENCONCLUSIONPAGE81 )"% ЇXXXX t XXBOOKII# P   t#    PXXXXXXCHAPTERICOLLECTIONLAWSPAGE82187#XXXX##XXѫ#s X5 X XrX XX5CHAPTERIISUB.CHAPTERVXXXXrԀPAGE8897   CHAPTERIIISMALLCLAIMSSUITSPAGE98112CHAPTERIVDISTRICTCOURTPAGE113117CHAPTERVDOCUMENTSNEEDEDINCOURTPAGE11816"K7"K#K5#KCHAPTERVICONCLUSIONPAGE1K6K$KK8K$K%K6%K P XX v   P#XkMX  v"# v XXkM )T$% 7rXXdXXd7  рCHAPTERONE#XkMX  v##XXXXkMA# d ЀX@XXXԀBACKGROUND#XXXX@$#  vXXXXԀ t   X X5L 5XXXXXXAlthoughmyfieldiscreditandcollectionsandIhaveownedmyowncollection L  agencyforthepasteightyears,thisbackgrounddidnotprotectmefrommypersonalcreditandcollectionproblems.Onthecontrary,Ifacedthesamedilemmaasmanyofyou,whenmycredittookanosediveduetoapersonalcatastrophe.Ilearnedahardlesson. Thereisnoprofessionalcourtesyinthecollectionbusiness .In1987,Iwasworkingforaprivatecompanyastheircredit/collectionmanger.Afterthebirthofmydaughter,lifechangedandcircumstancesbecameverydifficult.JackiewasbornonNovember11,1987.Shewasbornwith' 4X,X LX'esophagealarthresiawithoutafistula.Littledidweknowatthistimewhatherillnesswouldreallymeantousandourfinancialsecurity.Afteratwoandahalfmonthstayinthehospitalandmorethan$300,000.00worthofmedicalbills,Ifoundmyselfwithoutajob.OnceIwasallowedtotakemydaughterhomefromthehospitalIaskedmyemployertoallowmetotakeathreemonthleaveofabsence.Suchaleavewasauthorizedinourcompanyhandbook.ThesecondoptionIofferedmyemployerwasthatIwouldworksixdaysaweek.FivedaysaweekIwouldworkformhome.SaturdaysIwouldcome,inhouse,tomailoutinvoicesthatwerenotunavailabletome.OnSaturdayIwouldalsoprovidemyemployerwithaweekly L)"- progressreport.Theownerwasunwillingtoallowmeeitheroption,soIcouldtakecareofmyillchild.Insteadtheyfiredme.Theownertoldeveryoneatworknottocometothehospitaltoseeusbecausemybabywasgoingtodie.Duringoneoftheir whytobuytheirinsurancecoverageconversations thecompanysitedusasexamplesforbuyingtheirinsurance.Theytoldeveryemployeewhoattendedthatmeetingthatwewouldloseourhome,duetoourdaughtersillness,andsecondlyduetoourlackofforesightfornotpurchasingtheirinsuranceplan.AboutfivemonthsbeforethebirthofmydaughtermyhusbandandIpurchasedatownhouse.Wedependedonmyincometomeetourmonthlyexpenses.Thishadbecomeimpossible.Eightypercentofourmedicalbillswerepaidbyourinsurancecarrier.Wehadtocomeupwithmorethan$60,000.00inunreinbursedmedicalexpensesinadditiontoourmortgage.Managingourfinanceswasbecomingmoredifficultwiththepassingofeachmonth.ThefactthatthecostoflivinginHawaiiis40%highertheninthemainlanddidnotmakematterseasier.Wehadoneadvantage,myhusbandearnedagoodliving.Nevertheless,hissalarystillwasnotenoughtotideusoverbetweenourexpensesandourincome.  %* HowcouldIhelpmyfamilymeetitsonslaughtofbillsandstilltakecareofmysickinfant.Mydaughtercriedcontinuously,withtheexceptionof15minutesofeveryhour.Nevertheless,theMEDICALBILLSCONTINUEDTOROLEIN. Mybackgroundhasalwaysbeencollections,itwasasubjectIunderstoodandwasgoodat.IdecidedtothinkofdoingsomethingIknew.Thecatchwasthatitwouldhavetobedonefrommyhome.Idecidedtoopenmyowncollectionagency.Iknewfromexperiencethat,todocollectionsallyouneededwasadesk,phoneandclients.IwasexperiencedandgoodatcollectionsandIhadcollectedamillionfivehundredthousanddollarsforthecompanythatfiredmeinjustsixmonths.EvenifIwouldonly,havetakenhometenpercentofthismoney,Iwouldhaveearned$150,000.Oneofthemajorobstaclestofulfillingmydream,wasthatinHawaiiyouarerequiredbylawtohavea$25,000bondbeforeyoucanopenandoperateyourowncollectionagency.AsIquarriedallthedifferentinsurancecarrierslistedintheyellowpagesIfoundthatnoneofthecarrierswantedtowritemeacollectionagencybond. Saying, thatthebondwastoominorforthemtoworryabout,attoolowapremiumforthemtomakeanymoneyon.Theonlywaytheywouldwritethecollectionagencybond,whichtheywouldbehappytowrite,wouldbeifIhadtwentyfivethousanddollarstoputdownagainstthebond.Andwithoutthebondyouhavenobusiness.WhataCatch22.IstartedrememberingallthepeopleIknewwhoownedbusiness,orhadmoney.Iwenttoallmyfriendsandacquaintances,requestingtheirhelp.Ihadafriendwhoownedproperty.He (". offeredsomeofhispropertyascollateraltooneoftheinsurancecarrierswhosaid,hemightbewillingtowritethebond,butwhenitcametimetowriteitthecarrierbackedout.Allmyeffortsfellshortatthispoint.IcouldntgetthebondIneededtoopenmyowncollectionagency.Ireturnedtoworkandworkedanotherfewyears.Imarried,workedformylastemployer,boughtatownhouse,gotpregnantandawaitedthearrivalofmychild.ShewasbornwithesophagealarthresiawithoutafistulaandIambacktomystorywhereIgotfiredandamrackingmybrainonwhatIcando.Sixmonthspassedsincethebirthofmydaughter.Idecidedtotrytogetmybondagain,mydreamofopeningandoperatingmyowncollectionagencyhadnotdied.Ilearnedagreatdealinmylastexperience.Itriedtogetmybondthroughthenormalchannels,andhavingfailedatthat,Iwasforcedtolookforalternatemeans.Hecameintheformofadisreputablebailbondsman.Hesaid, hewouldwritemybond,withtheconditionthatIwouldusemytownhouseascollateralagainstthebond.Iwashappytooblige,mydreamwasfinallycomingtrue.Hisrequirementswere,theinsurancecarrierherepresentedwouldbeputasclaimantagainstmypropertyinthesecondliabilityposition,justbelowthemortgagecompanyforoneyearwhichwasthedurationofthebond,Ineededtoestablishmyself.AfterthatyearIcouldapplyandbecomeamemberoftheACAandpurchasemybondthroughthematalowerpremium. (". ЇWatchingthedaytodayoperationofhisofficeandtheerrorstheycommittedIdecidedtoenlisttheaidofanattorneytodrawupacontractbetweenusforthedurationperiodofourassociation.IstillneededthebondandsoIpurchaseditfromhimputtingupmytownhouseascollateral.Theonlycostforhishelpwas,apremiumthatIpaidtwicewhatitwouldcostmetopurchasethroughareputablecarrierandmytownhouse.Butthennoothercarrierwasevenwillingtotalktome.Ihadnochoice.Ineededthebondforoneyearinordertoestablishmyself,afterwhichtimeIcouldgetareputableinsurancecarrier.̀Havingtotallylosttrustinmyfriend,thebailbondsman,Iwenttoanattorney.Who,Ihaddraftlegaldocuments.Effectingthatourcontractwouldterminateimmediately,attheconclusionoftheoneyearperiod,unlessotherwiseinstructed.WithbondinhandIhiredasitterandoffIwent.Havingneverbeeninbusinessformyself.Istartedknockingondoors.Ibeganbuildingmybusiness,butmoneywasstilltight?Thetimeittookfrombeingfiredtoopeningmybusinessleftusbehindonourpayments.Butstillwewerehangingintheir.Astheyearpassedandthetimenearedtothereleaseofmyproperty.Istartedfallingfurtherbehindonmypayments.Thereweretimesasinsurancepaymentsarrived,Ihadtousesomeofthemoneytoliveon.Attimesthismoneypaidforourfoodorwasusedjusttokeeptheelectricityfrombeingturnedoff,orturningitbackonafterIhadbeenturnedoff.  d'!, AtthispointIrealizedtheurgencyofmysituationandtheneedtotakeaction.SoI beganthelongandarduoustripback.Ithoughtmysalvationwouldbetotakeoutasecondmortgage,tomakeendsmeet,andpayofftheexcessiveinsurancedeficiencies.Contactingmygoodfriend,thebailsbondsmanIaskedhimtoremovehimselffromhissecondarypositiononmymortgage,andtotakethethirdposition.StatingthatIwouldnolongerbeneedinghisservicesafterthepreviouslycontracteduponperiodofoneyear.Herefused.Saying,thatbecauseIwenttoanattorneyandhadhimdrawupacontractstatingtheendingdateoftheoneyearperiod,inwriting,hewasholdingmetothatcontractenddateEvenifitwereonedaybeforethecontractwastoend,hewouldntdoit.Icouldnotgetaloanunlessheremovedhimselftothirdposition,twomonthsbeforethebondwastoend.Icalledhisoffice,afterourconversation,thesameday.Icommunicatedtothemtheenddateofourassociation.Iwascancelingmybondimmediatelyupontheagreeduponterminationdate.Thecontracteddaycame.Ourrelationshipwasfinallyatanend.Igotmynewbond.Effectivethelastpoliciescancellationdate.Igoforaloan.Ofcoursenottoabank.Theywouldrefusetheloan.Letsborrowmoneyat22%,whynot,wererich.Getasecondmortgagefor60,000andpayoffallourdebts.Nowwehavetwomortgagesat$1900amonthandassociationfeesfor$238.00amonth.Andweowe$160,000with22%interest.  d'!, Irealizethatwastimetothinkaboutreconsolidatingthetwomortgages.The paymentseachmonthweretoohighbetweenthesetwomortgagescompanies.Theonlywaythiscouldbedonewaswithaperfectcreditreport.Ofcourseminewasnt.TheonlyoptionIwasleftwithatthispointwastocleanupmycreditreport.AyearandahalflaterIhadcleanedupallbuttwoderogatoryentriesinmycreditfile.Irefinancedourmortgageat7/12%on$160,000.Leavinguswitha15yearmortgageat$1478.00amonth.Thesearethetailsoftheseexperiences.Youmightneedtoknowthemsomeday. P  v   P v   v#Fr  v?#&u&Fr#&u&&&u@#&&&&uLETSCLEANUPYOURCREDIT.#&u&&&@#&u&&&u#Fr&&u[@# 0  v Fr# v   v@# mD   v ,)") CHAPTERTWO# v   mDA##Fr  v`A# d XkMXFrX@XXXkMHOWTOCLEANUPYOURCREDIT d XXXX@XXIspentayearandahalfcleaningupmycredit.Occupyingdaysonendtalkingto L  thelendersreflectedonmycreditreportandafterayearandahalf,finally,comingoutwithadecentenoughcreditreporttorefinanceourmortgage.Regardlesstheirlurkeda$42.00paidcollectionaccountanda60daylatepaymentonacreditcard,(whentryingtogetapersonnelloanthesetwoderogatorysgotmearejectedforabankloanof$10,000). # D#1.Ifyouhavebeendeniedcreditfromalenderduetotheinformationlistedon p yourcreditreportyoumustaskthelenderwhichcreditreportingagencytheyusedtoobtainthederogatoryinformationthatcausedthemtodenyyourcredit.2.Immediately,callorwritethisagencyforaԀ&&Ԁfreecreditreport#&m&&&qF#.&&mԀThisrequest p canbedoneinpersonifthecreditreportingagencyisalocalone,orinwritingiftheagencyisoneoftheNationalAgencies.3.Lookoveryourcreditreportcarefullyonceyoureceiveit.Findallitemsyouwantremovedfromyourcreditreport.4.Enteraletterofdenialonthesederrogatories.Iwouldadviseyoutoalwayscallthenationalcreditreportingagencytoenteradenialonderogatorys,verificationbecomesmoredifficultforthemtodo,dototheshearvolumeofrequestthey ( ", receiveamonth.Andtheyhave3045underthelawtorespondwitheitheraremovalofthederogatoryorareasonastowhytheycant.5.Enteringadenialonderrogatoriesfreezesyourcreditreportonthedisputedderogatory/deragatoriesfor3045days.Duringthisperiodcreditreportingagencycannotgiveoutderogatoryinformationonthisaccount.Ifthereisnoprooftosubstantiatethelendersclaimthatthisisavaliddebtthederogatory/smustberemovedfromthecreditreport.6.Ifthecreditreportingagencycomesbackwithproofofderogatoryfromtheoriginallender,youcandisputethisthroughyourbankrecords,C.O.D.paymentsoraletterfromtheoriginallenderastowhythisderogatoryshouldberemovedfromyourcreditreport.7.Iftheoriginalcreditorisprovidingyouwithaletterprovingyourclaim,copiesofthislettermustbesenttothethreemajorcreditreportingagenciesaswellastoanycreditreportingagenciesinyourtown.Keeptheselettersfor7years.Derogatoryhaveawayofpoppingbackonyouraccount.8.Ifthecreditreportingagencieswantanoriginalcopyoftheletteryouareusingasproofofyourclaim,havethecopynotarized.Itworksasanoriginal.̀JJ (". Ї#\N#&&SAMPLECREDITREPORTREQUEST#&{&&&{N#&m&&&{:#&{&&&m1O# d &{&&&{b&m&&&{b&b&mԀYOURNAME  H ЀADDRESS̀CITYSTATEZIP̀OTRWCONSUMERASS.P.O.BOX2350CHATSWORTH,CA913132350b&m&b#b&b&mHQ#DATEb&m&b T  #b&b&mQ#b&m&b#&{&&b&mO#c&&&&{RE:FREEANNUALCREDITREPORT(Onceayearyouare D  authorizedafreecreditreportformTRW).#&{&&c&)R#b&m&&&{#b&b&mQ#ToWhomItMayconcern;Thisisarequestformy free annualcreditreport.Thisletterisintendedto P authorizeyoutoimmediatelyreleasethisinformationtome.Ihaveenclosedacopyofmylicensetoverifymysignature.̀Yourimmediateattentiontothismatterwouldgreatlybeappreciated.Sincerely,JoeDoeDATEOFBIRTHSOCIALSECURITY#T (P"- #bR#&&SENDALLCORRESPONDENCEREGISTEREDMAIL,RETURN d RECEIPTREQUESTED.THISPROVIDESYOUWITHVERIFICATIONOFDATEREQUESTWASSENT,RECEIVEDANDBYWHOM.SAVECOPIESOFEVERYTHINGYOUGETFORSEVENYEARS.MAKEFILES.ABILLYOUTHINKYOUCLEANEDUPMIGHTCREEPUPFROMACREDITREPORTINGAGENCYYOUDIDNTEVENKNOWEXISTED.WITHOUTBACKUPS,LETTERTHATSTATES,THISDEBTMUSTBEREMOVEDFROMYOURCREDITREPORT,YOUHAVETOSTARTALLOVERAGAIN.IFYOULUCKYTHISDEBTANDALLREFERENCESTOITWILLBEWIPEDFROMTHEIRCREDITBUREAUREPORT.#&{&&&U#&&&&{ALWAYSREQUESTANEWCOPYOFYOURCREDIT D REPORTWITHTHEREMOVALOFEACHDEROGATORYTOMAKESUREITWASDONE.THESESTEPSMUSTBEFOLLOWEDFOREACHOFTHETHREEMAJORCREDITREPORTINGAGENCIES.DENIAL#&{&&&W#: P &m&&&{&&mThisisdoneafteryoureceiveyourcreditreportandverifieditforaccuracy.Ifyou l!  findaccountsolderthansevenyearsthatyoudontwantonyourcreditreportaskthemtoremovetheseitems.Ifyoufinderrorsonyourcreditreportdisputethem.Thisishowtodoit. ("* ЇSAMPLEOFDISPUTELETTERWHENCREDITWASDENIED:#ZZ# d ӀYourNamèP.O.Box(ifyouhaveone,thiskeepsyourrealaddressprivate)̀City,StateZip̀(Areacode)Phonenumber̀NameofCreditReportingAgencyAddressofCreditReportingAgencyCity,StateZipDateToWhomItMayConcern:Ihavebeendeniedcreditby,ABCCOMPANY,basedoninformationtheyreceivedfromyou,asreflectedbymycreditreport.Thisoccurredwithinthelast30days,notedateonattacheddenialletter.Pleasesendmeacopyofmycreditreport,immediately.Sincerely,yournameSocialSecurity#Dateofbirth] (". Ї9.Youmustrequestthefreecopyofyourcreditreportwithin30daysafteryoubeendeniedcredit.Otherwiseitsnolongerfree.10.Checkalltheinformationonyourcreditreport.Verify,theaccountthatthelenderrejectedyourloanfor,reallyisyouraccountorwasitplacedonyourcreditreportinerror.Onceyouhaveestablishedthatthisisyourdebt,(derogatory)taketheproperstepstoresolveit.``&&`IFYOUHAVETHEMONEYORAPORTIONOFITANDWISHTO d  SETTLE:#&m&&`&_#   &&m11.Youneedtocontactthecreditorandaskhim,whatwillittake?Speakonlyto ` managersappropriatetothedepartmentyouraccounthasbeenreferredto.12.AsktheMANAGER,youarenegotiatingwith,whatitwilltaketoresolvethismattertoday.Makesureyounegotiateanyderrogatoriesonyourcreditreportberemoved.Whenyouarebothhappyandhavecomeafigureyoubothcanlivewith.Putitinwriting.13.Sendhimtwocopies,betteryetaskhimtosendyoutwocopiesasarecapofyourconversation.Thesecopiesmustbesenttohimwithyoursignatureonit,inblackink.Afterhereceivesyournegotiatedcontract,hekeepsoneinhisfileswithyoursignatureonitandyouhaveonewithhissignatureonit.Nowsendyourcashierscheck.Thiscanalbedonebyfax. D)". *Makesureaspartofyournegotiationyounegotiatethatnoderogatoryswilleverbeputonyourcreditreportaboutthismatterandifonehasalreadybeenplacedonyourcreditreportitshallberemovedimmediately.Negotiatethisaspartofyouragreement,putitinyourletter.aԀSAVEIT,SAVEIT,SAVEIT......*#a)e#    (". Ї&&SAMPLENEGOTIATIONLETTER#&m&&&e#: d &&mԀJoeDoe  H ЀP.O.Box9999̀Honolulu,Hawaii96813_fHartmann&Hartmann786DebtorsLaneNewYork,NY00333xgDate:RE:PERTELEPHONECONVERSATION H  #g#DearMr.Creditor:#Uh# ,  #h#Thisletterisasafollowupofourconversationon6/7/97.Weatthattimeagreed H torepayyouatthesumof$256.00onaccountnumber1234567.Andwiththeunderstandingthatthereshallbenoderogatoryinformationplacedonmycreditreportbutsetaccountshallbeshownaspaidsatisfactorily.Immediately,uponyourreturnofthislettertomeIshallsendyoufullpaymentintheformofacashierscheckasweagreed.Iwillforwardyoutwosignedcopiesandaskyoutosignandreturnonetomeformyfilesandkeeponeinyours.Yourhelpandunderstandinginthismatterisgreatlyappreciated.Sincerely;iJoeDoePresident_________________________________________________________________SignatureTitleCompanyDate_________________________________________________________________SignatureTitleCompanyDate )#/ Їkdd mD dCHAPTERTHREE#d d mDm#d&&d d WHATISADEBT?#&m&&d&wm##&&mm#ԀԀYOUSHOULD,YOUWOULD,IFYOUCOULD#qn#.  Thismeansthatmostpeoplearehonestandtheyknowtheyshouldpaythedebtandtheywouldpaythedebtiftheycouldpaythedebt.Alwaysrememberthisandtheirwillbealittlehumanityinourworld.DURINGNEGOTIATIONS:1.Ifyoufindthatthederogatorycausingyoutobedeniedcredit,isnotyoursandplacedonyourcreditreporterroneously:throughbeingstolen,orsomeoneelserequestedandusedacreditcardinyourname.TelltheMANGERyourside.̀2.Hewillacknowledgederogatorybeingremovedfromyourcreditreportanddebtforgiven,whichmeansthatthedebtwillnothavetobepaidback.Thiscanbethecasewithastolencreditcard.Ifheiswillingtonegotiateonthisdebthewilleitherforgivethedebtconcludethatitisnotyours,orunverifiable.3.Ifthecreditreportingagencycanvalidatethisdebt.Youcannegotiatetheremovalofthisaccountfromyourcreditreportwiththeoriginallender,eitherbypayingfullamountowedoraportionthereof,ifthelenderiswillingtonegotiate.4.Counter:Ifyouhaveproofthatthisderogatoryshouldnotbeonyourcreditreportthroughpaymentverification,letterofforgivenessoranyotherdocumentnegatingthisdebt,unlawfulusageofcreditcardbyunauthorizedpersons,byall (0", meansprovideitanddemandimmediateremovalofthisderogatoryfromyourcreditreport.5.Creditreportingagencymustprovideyouwithacreditreportshowingderogatoryremovedfromit,freeofchargethirtydaysafterrequestforremovalwasmade.Askforletterbackingupnegotiationssettlement,ifsettlementwasnegotiated.Youwantproofofwhateveryounegotiatedon,onthecompanystationary.6.Copyofthisletterissenttothethreemajorcreditbureausinthenationandtheonesinyourarea.Askforyourfreecopyofyourcreditreport,verifyingtheremovalofthisderogatoryaccountformyourcreditfiles.&m&&&&&mNEGOTIATIONLETTER:#&m&&&v##&&mv#Ifyouwritethisletter,writeit:asperthe  conversationsettingforththetermsyouagreedupon.IfyouneedtoprovideinformationasktheMANAGER,whatcriteriayourlettermustmeettobeacceptedbyhiscompanyandinwhatformat.Writeit,senditregisteredmail,withreturnreceiptrequestedandsavetheoriginaldocumentforyourfiles.Fromyouroriginalyoucanmakeadditionalcopies.Ifothercreditreportingagenciesrequireanoriginalofanycorrespondencepertainingtothisdebtmakeacopyofyouroriginalletterandgetitnotarized.Ifyouhaveacomputerputallyourlettersconcerningthisdebtinit.Andplaceanycorrespondencefromothersinafileyoucreatedforthisaccount.Saveitforsevenyears.andplaceitinanappropriatefilethatpertainstothiscreditororcreditreportingagency.Savealllettersinyour )". computerunderthecreditreportingagenciesnameorthecreditorsname.Nowallyouhavetodotoretrievethisletteror,senditofftoothers,istochangethecreditreportingagenciesnameandmakeadjustmentstoyourreasonswhy.Thiswayyoucanspeedupthecleanupofyourcreditreportwithonlyafewminoradjustmentstotheoriginaldocument.Thiswillsaveyoumanyhoursofwork.Alwayssaveyourworkunderthecompaniesname,dateandkindofletterwritten,oractiontaken.Younowhaveyourbasicformatsetoutbeforeyou.IfthisdebtisnotyoursyoumustwriteaDISPUTELETTER,tothecreditbureau.Thisletterisasfollows:&& )", ЇSAMPLEOFDISPUTELETTER#&m&&&r}#:#&&m}# d 3o3oԀYOURNAME  ЀYOURADDRESS(P.O.BOXISBEST)̀CITY,STATE,ZIP̀d~COMPANIESNAMEADDRESSCITY,STATE,ZIP#3o~#DATEB3oRE:DISPUTELETTER(HIGHLIGHT)#3oBJ#    C3oI,JohnDoe,of(youraddress)wishestoenteraformaldisputeonthefollowingaccounts. X  #CCE~#CCYOURNAME ,  ___________________________________________________________________________________πFIRST,MIDDLEINITIAL,LASTPRESENTADDRESS______________________________________________________________________________________________________________________________________________________________________πPREVIOUSADDRESSIFYOUMOVEDWITHINTHELAST(7)SEVENYEARSπ______________________________________________________________________________________________________________________________________________________________________̀DATE___________________________________________________________________________________πBIRTH,MONTH,DAY,YEARSOCIALSECURITY#___________________________________________________________________________________#CC#QCOn,(date),Iwasdeniedcreditby(companysnamethatdeniedyoucredit),duetoerroneous 4# informationpresentedonmycreditreport.Iatthistimewishtoenteradisputeonthefollowingaccounts.1.NameofaccountAccountnumber___________________________________________________________________________________ReasonforDispute____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________2.NameofaccountAccountnumber___________________________________________________________________________________ReasonforDispute______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________##_____________________________________________________________ ',!5 _________________________________________________________________ )"7 3.NameofaccountAccountnumber d ___________________________________________________________________________________ReasonforDispute____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________4.NameofaccountAccountNumber___________________________________________________________________________________ReasonFoeDispute_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________PleasemaketheproperadjustmentstomycreditreportbasedupontheinformationIhaveherewithprovidedforyou._________________________________________________________________SignatureDate#݋#Ifyoudonotlikewritingletters,youmayatthispointwishtocallthecreditorto   negotiate.Askyourlocalcreditreportingagencyforthelenders800number,asincreditcards.Thewayyoudothisisbybeingverynicetosomeoneatyourlocalcreditreportingagency.Hereyoucanstilltalktoaperson.Askthemtoprovideyouwithphonenumbersforthecompaniesreflectingderogatoriesonyourcreditreport.Askiftheyhaveany(800)numbersforthesecompanies.Creditreportingagenciesmusthavean(800)numberforallcompaniesreflectingderogatories,incaseofadispute.Theyalsomustverifywiththecreditor.CALLTHETHREENATIONALREPORTINGAGENCIESONLY,(TRW).TheseNationalCreditReportingAgencieshavemorerequestsperdayforverificationofcreditanditsmoredifficultforthemnotbeingintheareatogettheresearchdoneonyouraccountinthe30to45daysspecifiedbylaw.Itiseasiertogetawriteoffthroughthemthroughlackofproofofvalidity.  '0!0 Ifthenumberofthecompanyyouneedtocallisnotan800numberyouneedto investalittlemoneyforabetterfinancialfuture.Thenagainyoucouldtrytocallcollect,askforthemangeroftheappropriatedepartmentreflectedonthelatestcorrespondenceyoureceivedfromthem.Specifythatyourcallisconcerningadebtowedthemorerroneouslyreportedonyourcreditreportbythem.Somecreditorswillnotacceptcollectcallsbutwillcallyouback.Leaveamessageincludingthephonenumberwhereyoucanbereachedandstressimpendingfutureactionifyourcallisnotrespondedtothatday.Youlleithergetacallbackinafewhoursorthenextday.Emphasizetheurgencywithwhichthismattermusttobeconcluded.Ifyouowethisdebtdonotcall.Especiallyifyoudontwishtobefound.Sendyourdisputeletterinwriting.Negotiatewiththecreditorforaresolutionandsendyourcopyoftheletterofforgivenesstothecreditbureauonceyouhavereceivedit.Ifyouhaveafaxtheseletterscanbefaxed.Makecopiesofanyfaxesyoureceivebecausetheyfadewithtime.Ifyourcollectcallisacceptedyoumayhavetotellyourstory3or4timesbeforefinallyreachingtheproperpersonyouneedtocontact,dosocordially.Ifthemanagerbelievesyourstoryhellagreetohonoryourrequestfortheremovalofthisderogatoryfromyourcreditbureaureport.Onceyouhavecometoanagreement.PUTITINWRITING,askhimtowritealetterperyourconversation,acknowledgingthathewillwriteoffthisaccount,orstatederogatorytobeanentryerror. (". ЇGethisname,titleandkeephisphonenumberinyourfiles.Becauseyouwillhavetomakefilesifyouhavealotofitemsneedingtobepurgedfromyourcreditbureaureport.Andmakesureheincludesastatementtothefactthatthisaccountmustimmediatelyberemovedfromyourcreditreport.Askhimtosendthisremovalrequesttothecreditreportingbureauaswellasacopytoyouforyourfiles.SAVEORIGINAL,SAVEORIGINAL,SAVEORIGINALINYOURFILES.Submitacopyofthislettertoallthecreditreportingagenciesonwhosfilesthisitemshowsoutstandingandmakesureyougetacopyofyourcreditreport30daysafterthisconversationwasconcludedwithacleancopyofthecreditreportverifyingthatthedisputeditemwasclearedfromyourcreditreport.Ifyoudonotgetaresponsefromthecreditbureauwithanupdatedreportwithin30days.Youcanwritethemafollowupdisputeletter.  (". ЇSAMPLEOFFOLLOWUPLETTERFORLETTEROFDISPUTE# #: d ̀YOURNAMÈADDRESS̀CITY,STATEZIP̀COMPANIESNAMEADDRESSCITY,STATEZIP̀DATERE:SECONDREQUEST#ء#Ԁ   Attention:ConsumerRelationsDepartment:ThirtydayshavepassedsincemyoriginalrequestforaninvestigationonitemsthatIfeelareonmycreditreporterroneously.Istillhavenotreceivedaresponseformyourbureauconcerningthismatter.Pleaseverifystatusofthisinvestigationandeitherdeletethiserroneousaccountfrommycreditreportorsendmetheappropriatebackupstoprovevalidityofthisdebt.UndertheFairDebtCreditReportingActyourresponsetothismattermustbemadewithinareasonabletimeframe.Ifeelthat,thattimeframeisnowathand.Eitherverifyordeleteallreferencestothisaccountfrommycreditbureaureport.Otherwise,Iwillhavenorecoursebuttoturnthismatterovertomyattorney.̀Yourimmediateattentiontothismatterwillbegreatlyappreciated.Sincerely,YournameSocialSecurity#DateofBirth (". Ї7.Youshouldrequestacopyofyourcreditreportyearlyjusttomakesurethatalltheinformationlistedthereisaccurate.Mostbureauswillsendyouafreecopyofyourcreditreportyearlyuponrequest.Verifythatallinformationreportedisaccurate.Otherwisefileadispute,sendyourresolutionlettertoallthethreemaincreditreportingbureaus.Justthinkhowembarrassingitwouldbeifyouappliedforaloanandweredeniedcreditduetoerroneousitemsreflectedonyourcreditreport.Knowledgeispowerandyoucouldavoidmanyembarrassingsituationswithalittleknowledge.Anddontthinkthereareneveranymistakesonyourcreditreportbecausetherearemany.8.Alloutdateditemsshouldalsobepurgedfromyourcreditreportsevenyearsbylawistheamountoftimeanaccountcanremainthere.Aftersevenyearsyoucanaskthemtohaveitpurgedfromyourcreditreport,tenyearsforbankruptciesandjudgements. (". &&SAMPLELETTERREQUESTINGTHEREMOVALOFANACCOUNT#&m&&&#: d Ѐ&&mԀJoeDoe  ЀP.O.Box3333̀Honolulu,Hawaii96813TRWCreditServicesAddressCity,StateZipDate: RE:  ԀREMOVALOFOUTDATEDACCOUNTS/REMOVALOFERRONEOUS    ACCOUNTSFROMMYCREDITREPORT#  # $  c! !cToWhomItMayConcern#۬#:    (IFERRORSOCCURREDONYOURCREDITREPORT):# # p  1.Say:̀LookingovermycreditreportIfoundtheseaccounts(listaccounts)tobeinerror.Pleaseverifyandmaketheproperadjustmentstomycreditreportimmediately.AswellassendingmeacopyofmyFREEcreditreport,verifyingthatthiserroneousaccounthasbeenremoved.!(ACCOUNTSONCREDITREPORTLONGERTHAN7YEARS)#!-# p   2.Say:̀LookingatmycreditreportIfoundtheseaccountsonmycreditbureaureporttobepastthelegallymandated7years.Theseaccountsmustberemovedimmediatelyafterthereceiptofthisletter.Sincerely,JoeDoeBirthdate SocialSecurity# (". ""&&"Addthisasyoursecondtolastparagraphofyoursecondrequest letter#&m&&"&#.#&&m#  ThisismySECONDREQUEST##ԀFORVERIFICATIONOFSTATUSofset  ` account(s).Iamincludingprooffromoriginalcreditormandatingthepromptremovalofsetaccountsfrommycreditbureaureport.Yourimmediateattentiontothismatterwouldgreatlybeappreciated.Sincerely,JoeDoeBirthDateSocialSecurity#N  ( "- Ї && RESEARCH:# & &۳## # d Findouthowmanycreditreportingagenciesthereareinyourareaandnationally(3),thenrequestacopyofyourcreditreportfromallofthem.Somederogatoryaccountscanbeononecreditreportandnotonanother,soyouneedtoseeallthecreditreportsinyourareaandNationally.Whenyoucleanupyourcreditreportandmailnegotiationletterbetweenyourselfandthecreditor,youmustmailthemtoallthecreditreportingagenciesreportingthisderogatoryinformation.  && KEEPTHEORIGINALSOFEVERYNEGOTIATIONLETTERYOUMAIL   FORATLEASTFORSEVENYEARS.SOMETIMESDEROGATORYRESURFACEYEARSAFTERYOURESOLVEDTHEM.ATTIMESWEMAYHAVEMISSEDANAGENCYTHATTHECREDITORUSEDTOREPORTDEROGATORYS#&m&& &J#Ԁ &&&&mTO.KEEPNEGOTIATIONLETTERS#&m&& &#&&&&m!#&m&&& # p &&mIfalenderhasdeniedyoucredit,thesereportswillbefreetoyou.Ifyouarejust  checkingyourcreditreport,youwillhavetopayeightdollarsforasinglereportandsixteendollarsforajointreport.#m##Ԁ##ձ#Everyoneshouldrequestafreecopyof !" theircreditreporteveryyearjusttoreviewandcheckit.Althoughyoumaythinktheirisnothingderogatoryonit.###Ԁ###Evenatacostof$8.00forasingle $$& reportand$16.00forajointreportisworthit.Requestyourcopyeveryyearoratleasteverytwoyears.Avoidtheavoidable.Youdonotwanttoanynasty surprisesasyouareapplyingforaloan.Notonlyisitembarrassingbutiteffects (H", thewaythelenderlooksatyouandyourloanapplication.Evenifanerrorhadbeencommitted,hewilllookatyourapplicationmoreclosely. &&f&&&&INCONCLUSION:   f&f&hfYOUSHOULDCHECKYOURCREDITREPORTYEARLY.MAKESURE  8 THEREARENOERRORSONIT.COPYOFTHISYEARLYREPORTISFREEFROMTRWANDTHEREISANEIGHTDOLLARPERPERSONCHARGEFROMTRANSUNIONANDEQUIFAXPERREPORT.hAllnegativeaccountscanbepurgedfromyourcreditreporteverysevenyears.   Bankruptcieseverytenyears.Ifyouhavesomethingnegativeonyourcreditreportonanaccountolderthan7yearstellthecreditbureautoimmediatelypurgeitformyourreport.Thisunfortunatelydoesnotmeansevenyearsfromthedateofthebill,butsevenyearscanmeanfromdatethisdebtwasreportedtothebureau,oritcanevenmeansevenyearsfromthedateofyourlastpaymentonthisbill.So,ifyouhaveanoldreportedderogatorythatissixyears11monthsand30daysoldandyoumakeapaymentonit.Thesevenyearsofbeingonyourcreditreportstartsalloveragain.Sobecareful.Youcannotimaginethetimeandmagnitudeofpatiencecleaningupyourcredittakes.ButmaybeafterwhatIdescribedyoucan.Imaginehowmucheasieritis,ifyouonlyhaveoneortwoaccountsayeartonegotiatecomparedtoten.Saveyourselftheaggravation,checkyourcreditreporteveryoneyear,evenifyouthinkitsclean.Oratleastbeforeyoudecidetoapplyforaloan.Rememberyouwill )". havetocontacteachlenderandgivegood,understandablereasonsforyourlatepaymentsorwhyyouraccountwasnotpaidatall.Makeyourargumentsclearandshortandhopethattheywillseeyourreasoning. RULE#1# ?# d  ԀDONOTTALKTOANYONEBUTASUPERVISORORABOVE.##Ԁ    Ifyoudonotfollowthisadviceaworldofidiotswillbombardyou.Theycantdoanythingforyoubutwaistyourtime.Whennegotiatingareleasewiththelender,wherefullpayment,orapercentagesettlementispossiblealwaysnegotiatefortheleastmoney.Almostmoreimportantlyalwaysnegotiateforapositivepresentationonyourcreditreport.Askthelenderforaletterofrelease,oraletterofsatisfactionstatingthattheaccounthadbeenrepaidappropriately.Hemustalsostatethathewishesanynegativeinformationtobedeletedfromanycreditbureaureportsasofsuchandsuchdate.Ifyoudonotreceiveyourupdatedcreditreportwithin3045days.Youmustcontacteachcreditreportingagencyinyourareathatthisderogatoryisreflectedonandsendthemthecopyoftheletteryounegotiatedwiththelender.Makearequestforimmediateremovalofderagatoriesfromyourcreditreportwiththedisputeletter.Aftereachnegativeaccountisremoved,youwillbesentbythesebureausafreecopyofyourcreditreporttoverifythatthederogatoryhadbeenremoved.Thismaytakeanother(30)thirtyor(60)sixtydaysdependingontheagency.Evenwithafaxittookmeayearandahalftoaccomplishthisfeet.KEEPYOURCOPIESOFTHESERELEASESFROMTHELENDER#0# .# # (".  mD CHAPTERFOUR d X@X  mDRATINGCREDITBUREAUS:  #XXXX@## P XX]#  PeTRWISTHEWORST.#e ## P #  h Ѐ  PTheyareslowandarchaicintheirreporting.Thereweretoomanyolderthan L  sevenyearaccountsontheirreports.Their1800numbergivesyouavoicemailservice.Theyaskyouthrougharecordingtorecordtheanswerstotheirquestions.Youshouldgetareplywithin30days.̀1.Findoutfromthepotentiallenderwhichcreditreportingagencyoragenciesheusedtogetthederogatoryinformationfromwhichhemadethedecisiontoturndownextendingyoucredit.Trytodothisbyphone.Itwillsaveyoutime.Ifyoupushforit,themanagerwillgiveyoualltheanswerstoyourquestionsandyouwontwaistyourtime,gasandmoneywaitingforsomeonetoseeyou.2.Armedwiththisinformationyouwriteyourdisputeletter.Thistiesupyourcreditreportfor60days.Duringwhichtimethecreditbureaucannotgiveoutdisputedinformationonyourcreditreport.Nowmightbethetimetogoforthatloan.3.Whenyoureceiveyourcreditreportreviewitcarefully.Ifyoudontunderstandthecodesonthesereportsyoucancallyourfriendatthelocalcreditreportingagencyandask.Onceyouestablishedwhatthecodesmean.Youcancheckyourcreditreportagain.4.Makeanothercalltoyourlocalcreditreportingbureauandaskthemtoprovidethe(800)numberstheyhavefortheaccountsyouwishtodispute.5.Call.Speakonlytomanagerorabove. ,(!* 6.Tellyourstorycoherently.Waitforhisdecision.Ifitspositiveaskhimtosendyouandthecreditbureaus,theydealwith,aletterofreleasefromindebtedness.Orfortheremovalofanyderogatoryinformationonyourcreditbureaureport.7.Waitformail.Onceyoureceivecorrespondenceformthemanagerkeepit.Waitforyourfreecopyofyourcreditreportwiththecorrectionslistedorcorrectedcreditreport.Ifthereisnoresponsewithin30daysyoucanforwardcopiestoallthebureauswhohaventresponded,alongwithyourdisputeletter.REMEMBER## d  makingfriendsalongthewayisimportant.8.Waitforthemailandmakesurethecreditreportingagencymadetheadjustmentstoyouraccount.If60dayspassedandyoustillhavenoresponsefromthecreditbureauIwouldaddtheSECONDREQUEST##$Ԁportionofmyletter#$9#.##ԀI d wouldstartyelling.Butalwayspartasfriends.Youdontknowwhenyoumayneedthiscontactagain.TRANSUNION#h#  P.O.BOX390SPRINGFIELD,PA.V18003339147ToFullertonThe(800)isautomated.Theyarefastatsendingyouyourcreditreportandourlocalofficeat(808)5260001isgood.EQUIFAX##  @# P.O.BOX740241ATLANTA,GEORGIA3037518006851111Ourlocalofficeisfastandhelpful.Ifoundthebestserviceandmosthelphere.ThephonenumbersIprovidedarethemostcurrenttoday.Icannotguarantee theyitwillbecurrentwhenyoutryusingit.Iwouldrecommendthatineachcase d'!, youcheckyourlocalareatoseeifthereisacreditreportingagencyinyourtown contactthemfirst.MAKEAFRIEND,GETASMANY(800)NUMBERSASYOUNEED. Usethesamplelettersprovidedforyourcreditreportrequests.Thisiswhatyouhavetodowhenapplyingforcreditandyourcreditneedstobecleanedup.Areyouupforit?̀STEPSINORDER: d  ##g1.Youapplyforcredit   2.Lenderrejectsyourloan.3.Youaskwhy4.Lendersay,becauseofyourcreditreport.5.Askhimwhosaccountthisis?Andwhatwasreported.6.Askhimtofollowthisconversationupinaletter.7.Requestacreditreportnolatterthan30days(45Days)afteryouhavebeendeniedcredit.8.Lookovercreditreportcarefully.Learncodesandtheirmeanings.9.Writeyourdisputeletter,disputinganyaccountsyoufeelshouldberemovedfromyourreport.Thesecanbeaccountsthatarenotyour,paidaccounts,erroneousaccounts,accountsolderthan7years,exceptforbankruptciesandjudgementsIRSstudentloans,someformsofsupport.10.Inthemeantimenegotiatewiththecreditoronaccountsthatadecisionhastobemadewithafollowupletter.11.Gethimtowritetheletter,ifpossible.Havehimmailittothedifferentcreditreportingbureaustheyuse.Askforacopyforyourfiles. (". 12.Keepallcommunicationsforatleast7years.Longerifyoucang&m&gi&&&g&mAFTERTHOUGHT:#g&m&&i&##g&g&m# d  Todoathoroughjobthefirsttimeyourreviewyourcreditfiles.Askallthecreditreportingagenciesforcopiesofthecreditinformationtheyshowforyou.Thisincludeslocalandnationalagencies.Thelocalcreditbureaus,youmayevenwanttogotoinpersontopickupacreditreport.Youllgetthefeeloftheplace. g#g #jgj&&jk&&&j&HELPFULHINTS:#j&&&k& # 8  l&m&&j&l&l&mYOUMUSTGETYOURCREDITCLEANEDUPTHROUGHALLTHECREDIT L  REPORTINGAGENCIESINYOURAREAASWELLASNATIONALLY.IFYOUKNOWSOMEONEWHOWORKSINALENDINGINSTITUTIONASKTHEMTOTELLYOUWHOTHEYRECEIVECREDITREPORTSFROM.BECOMEKNOWLEDGEABLE.THISISYOURCREDIT. l L #l #l&&#l&m&&&B#n&&&l&mRESULTIFTHISSTEPISNOTDONE:#l&m&&n&#&"&&l&m# "&&b# T #l #Youwillshowderogatoryaccountsonyourcreditreportifyoudonthavethe   derogatoryremovedfromthefilesofalltheagenciesreportingonit.Youcangetthenamesofthecreditbureausthecreditorreportsto.Askwhohereportsto.Thencontactthemyourselfwithyourdisputeletterandproof.Thereasonyoumustdothisyourselfisbecausethereisnointerreportingbetweenthevariouscreditreportingagencies.  lԀ (!, #l S#plp&&pKEEPALLLETTERSANDCORRESPONDENCEINAMATCHINGFILE ATLEASTFORSEVENYEARS.LONGERIFYOUCAN.YOUNEVERKNOWWHENYOUMIGHTNEEDIT.#p&p&##lp# l  ` #l #l&&REMEMBER:#l&m&&& #   l&l&mYourlocalcreditreportingagencymusthavethephonenumbersforallthe H  companiesreportingderogatorys.Thesenumbersaremostly800numbers,sowhenadisputearisesoveranitemonsomeonescreditbureaureportthecreditbureaumustverifythevalidityofthisderogatorystatement.Askthemforthenumbersyouneed.Youhavearighttohavethemsinceerrorsofreportingoccurredonyouraccount.̀Ifan(800)isnotavailabletrytocallthemangerofthecompanycollect,tellthemthatyouhavebeendeniedcreditandtrytofindoutthemangersnameandcallhim.Iftheyhaveno(800)numbertrycallingcollect.Ifhedoesnotacceptyourcollectcalltrytoleaveyournameandnumberforthemtocallyouback.̀Iftheyacceptyourcallyousavealotofmoney.Iftheycallyoubackyousavealotofmoney.Iftheyrefusetoacceptyourcallyoudidntloseanything.l&&FORGIVINGLATEORNOPAYMENT:#l&m&&&f# #H& l&l&mTherearemanagerswhocanandwillforgivelatepaymentssoyoucanhavethem \%( removedfromyourcreditreport.Ifyoucanexplaintohimorherthereasonforthelatepayment,likethelossofyourjob,largemedicalbillsandanyotherlegitimate \(!, reason.Manytimesthesecompanieswillbeveryforgiving,theyhavealreadywrittenoffyouraccount.Sotheywillwriteyoualettersothislatepaymentcanberemoved.%lENTERINGDISPUTELETTERTOCREDITBUREAU#l%#: d  Enteradispute.Usethedisputeletterprovided.Ifyoufeeltheinformationthecreditbureauisreportingonisincorrect.Yourcreditbureauwillhavethetelephonenumbersforthelendersreflectedonyourcreditreport.Askfor(800)numbersiftheirmainofficeisoutofyourcallingarea.Otherwisegettheirphonenumberandtrytocallcollect.Disputetiesupyourcreditbureaureportfor4560days.&lCREDITCARDS#l&#: d IMPORTANT!!!Protectyourselfandyourcreditcards.Ifsomeonegetsyournameorgetsaholdofacreditcardmeantforyou,andrunsupbadcreditwithit.YOUMUST,inwriting,requestthatthecreditreportingagenciesplaceanoticeinyourcreditreport.Nottoissuecreditcardstoyouwithoutyourwrittenconsent.Thiscanbedonebysendinganotetothedifferentcreditreportingagencies.Tellingthemtoadvizeallcreditcardcompaniesnottosendyoupreauthorizedcardsthroughthemail.Thatcouldfallintothewronghands.Children,otherfamilymembersandorastrangers.Bydoingthisnoneelsecangetaholdofyourcreditcardsandstartchargingonitwithoutyourknowledge.  d'!, ЀStill,ifyoufindoutsomeoneotherthanyouischargingonorhaschargedonyour creditcardyoucancorrectthisbysendingthecreditcardcompanyacopyofyournotarizedsignatureprovingthatthisisnotyoursignatureandthederogatorycreditwillberemovedfromyourcreditreport.Rememberallcreditreportingbureausmustbenotifiedbycertifiedmailfromthiscreditcardcompany.Keepallcorrespondence!!!l P l v  l P T(!! ЇCHAPTERFIVE#  vXkMX#X5 XXXkMX$X XX5#X5 X$XX ##% XX5#&&%&&LARGESTCREDITREPORTINGAGENCIESINOURCOUNTRYARE:#&&Ր#'&&#('q#  | )(#*)#&&*TRW  < P.O.BOX749029DALLAS,TEXAS7537418006827654CREDITREPORTS18008547201HELPLINEm&m&&&m&m&mm&m&mo&&&m&mMOSTSTATESALSOHAVETRANSUNION: 4  TransUnion18008512574̀EQUIFAX18006851111#m&m&&o&##m&m&mu#1.Checkyourlocaldirectoryforcreditreportingagencyphonenumbersinyourarea.2.Makealistofalthecreditreportingagencieslocallyandnationally.Youcandothisseveralways,askyourfriendatthecreditbureauorsomeonewhoworksinalendinginstitutionifthelistyoucompiledisaccurateorisitmissingbureaus.Researchthroughthelibrary.3.Sendyourdisputelettertoallthecreditreportingagenciesthatcarrythiserroneousinformation.̀4.Contactmanageratthecompanyyourderogatoryoriginatesfrom.Gethimtoforgivedebtormaketheproperadjustmenttoyourcreditreport.5.Waitforhisresponse.Sendcopyofhisletteralongwithacopyofyourdisputetohecreditreportingagency.6.Waitforcleancreditreport. 8)"+ 7.Nowyoucancheckyourcreditreportevery12yearsorbeforeyouareanticipatinggettingaloanofanykind.Thesestepsmustbefollowedbyallcheckingtheircreditreportforthefirsttime. m RP   ("  Ї&"&  RPr&&"&&FORHAWAIIRESIDENTSONOAHU: d ALLOTHERSr&r&CHECKYOURTELEPHONEBOOKTOSEEWHATLOCAL  CREDITREPORTINGAGENCIESMIGHTBELOCATEDINYOURTOWN:rX@XrrXrX@rs1.#s)#tԀCreditBureauofthePacific#t#sԀ D  HӀP.O.Box17458̀Honolulu,Hawaiì(808)5337197recordedmessagè(808)5379401tomakeappointmenttopickupcreditreport̀.Nofeeforcreditreportifyouhavebeendeniedforcreditwithinthelastsixtydays.Eight($8.00)chargeifyouarerequestingindividualcreditreport.Foranadditionalreportforyourspousethecostisanothereight($8.00)dollars#s##X$X#.uXX$XXuXuXCreditBureauof `  thePacificinthestatesisknownas:EQUIFAX18006851111istheirAtlanta,Georgianumber.2.vuTransUnion#uv# 8 ЀP.O.Box390̀Springfield,Pa.Youmaycallthelocalofficeat(808)5260001.The18003339147istheir(800)numbertoFullertonfromHawaiionly.Rememberthetimedifferenceandcallafter11:00am.u>+u1,+u>#u>+,1#w>++u>#w+w>n#Nofeeforcreditreportifyouhavebeendeniedcreditwithinthelastsixty(30)days. !p# Eightdollar($8.00)chargeforindividualcreditreport.Sixteendollars($16.00)forajointreport.wTransUnionisalsoinallthestates,lookinyourphonebookforyour $p' areasphonenumber.  RP   mD   RP T)"- CHAPTERSIX# RP   mD #x P   RPԀ# RP  x P # d &"&  RP'&&"&&HOWTOREPAYLENDERIFYOUFINDYOURSELFOWING.  DEALINGWITHCOLLECTIONAGENCIESANDTHELAW.'&'&'Thischapterisnotforeveryone.Ifyouownpropertyandfindyourselfinafinancial D  bind.Mysuggestionis|GETASECONDMORTGAGE,BEFOREYOURCREDIT  ` ISRUINED..OnceyougetyoursecondmortgageIMMEDIATELYPAYBACKYOURCREDITORS.Youwillfindthatinsteadofhavingmanylittlebillsthatcanadduptothousandsofdollarsyouwillbeleftwithasmallerbill.Thiswayyouhaveoneloan,atareasonableinterestrate,forfifteenyearsthatistaxdeductible.Secondmortgagesalsohavelowerinterestratesthanpersonalloans,andyougetthelendersorcreditorsoffyourback.Youcannowresumeyournormallifeandansweryourphoneswithoutwondering,whoiscalling?Isitacreditorwantingmoney?Theywillcallyoueveryweek.Callyourwork.Talktothesecretaryandsometimeseventalktoyourboss.Identifythemselvesbygivingthenameofthecollectionagencytheyworkfor.IfanyonehaseverdoneanyofthesethingstoyoutheyareagainstthelawasstatedintheFairDebtCollectionPracticesAct.Callingyoutoooftenisillegal.Callingmorethantwiceatyourworkisillegal.TalkingtoyourbossoranyonebesidesyouaboutthisallegeddebtisILLEGAL.Youareprotectedbythe (`", ЇFairDebtCollectionPracticesActagainstillegalcollectiontactics.ReadboththeFederalLawsandyourStates.Becomeaware.Educateyourself.Youhavelegalrestitutionavailabletoyouifyourrightshavebeenviolated.Findoutyourrightsandusethesmallclaimscourtformatandsuethem.Aslongasyouhaveproofthatyourrightshavebeenviolatedyouwillwinyourcase.CheckyourthelawsbothFederalandState,findoutwhatthedamagesare.HereinHawaiithelawstates,fromSubchapterVDebtCollectionPractices~1692b.adebtcollectorCANNOTcommunicatewithanypersonotherthanthedebtorforthepurposeofacquiringlocationinformation.(3)debtcollectorCANNOTcommunicatewithanysuchpersonmorethanonceUNLESSrequestedtodosobysuchpersonorUNLESSthedebtcollectorreasonablybelievesthattheearlierresponseofsuchpersonerroneousorincompleteandthatsuchpersonnowhascorrectorcompletelocationinformation;1692c.COMMUNICATIONWITHTHIRDPARTIES(b)Exceptasprovidedinsection1692bofthistitle,withoutthepriorconsentoftheconsumergivendirectlytothedebtcollector,ortheexpresspermissionofacourtofcompetentjurisdiction,orasreasonablynecessarytoofficiateapostjudgementaljudicialremedy,adebtcollectorMAYNOTcommunicateinconnectionwiththecollectionofadebt,withanypersonotherthantheconsumer,hisattorney,aconsumerreportingagencyifotherwisepermittedbylaw,thecreditor,theattorneyofthecreditor,ortheattorneyofthedebtcollector. (". ЇCollectionagenciesaregovernedbystrictlaws,readthemknowthem.Protectyourselfandyourcredit.Iwouldevengotothepointofnotdealingwiththemifyoucan.Callthelenderyouowemoneyto.Tellhimyourstoryandworkoutarepaymentplan.Iftheoriginallenderisunwillingtotalktoyou,sayingthathehasnothingtodowiththisdebtbecausehehasalreadyturneditovertothecollectionagency.Ignorethisandcontinuesendingyourpaymentstohim.Besureyoukeepcopiesofallyourcanceledchecks.Makeafileonyourcomputer,oronpaperthatshowsallpaymentsyousentalongwith,date,checknumberandamountofpaymentandbalance.Keepyourownrecordsincaseoferrors.Dontexpectthepeopleyouowemoneyto,tosendanoverpaymentbackinatimelymanner.Youwillhavetocollectit.Sodontoverpay,keepaccurateanduptodaterecords.Whennegotiatingalwaysincludeinyournegotiates,ACLEANCREDITRECORD,forrepayments.Nowyoucanstophidinginyourhouse,answeryourdoorandnotworryifitsabillcollector,thebankoreventhesheriffpoundingonit.Bestofallisthatyoucanclaimtheinterestyoupayonthisloanonyourtaxes.Thismeansthatallyourlittleoutstandingbillsthatyouusedtohidefromarenotataxbreakattheendoftheyear,andyoucangetthisloanforfifteenyearspaybackperiod.Thisdoesnotmeandragitoutforfifteenyearsbutyouhavetheoptionofdoingso.Mysuggestionsthatyoupayallyourdebtsoffassoonaspossibleandstart (". puttingmoneyinthebankassavings.Withanyadditionalmoniesleftover,makeextrapaymentstowardyourmortgagepayment,topayitofffaster.Dependingonthesizeofyourdebtyoucouldbedebtfreeinafewyears,withyourcreditsavedandenjoyingasavingsaccounttoboot. | RP   v   RP 4)"! # RP   v# mD   RPCHAPTERSEVEN d } mD   mD}&& } mDIFYOUHAVENOPROPERTYTOBORROWAGAINST  )&m&&}&)&)&mIfyoudontownproperty.Getaconsolidationloantocombineallyourbills.)Ԁ*Then  0 cutupallyourcreditcardsandpaycashorcheckforallyournewpurchases.̀Donotmakepurchasesuntilafterallyourotherfinancialobligationsarepaidoff.Thenbuyeverythingwithcashorcheckasyouhavethemoney.Dontworryifyoucannotgetthatluxuryitemtoday.Orthatitmaytakeyouafewfewmonthstobeabletopurchaseit.Whenyouhavethemoneytopurchaseityouwillappreciateitmuchmore.Whatconsolidationdoesforyouagainisgiveyouonebillinsteadofthemanylittleonesandgetsthecreditorsoffyourbackandgivesyoupeaceofmind.Nevertheless,YOUMUSTDOTHISBEFOREYOURCREDITISRUINED.Whenyouseethatyouhaveoverextendedyourselfyoumustgetaloanandconsolidateyourbills.Dontmakeanynewonesbecausenowyouhavesomeextramoney.Makeadditionalpaymentswithanyextramoneyorputitinasavingsaccount.Thisisthetimetoputyourselfonabudget.Ifyoudontknowhowtoworkoutabudgetgotoanagencythatwillhelpyouworkoutabudgetthatyoucanlivewithandsaveon.Youmuststicktothisstrictpolicyoffollowingyournewbudget.Ifyoudonotknowhowtosetupabudgetgotoyouraccountant,yourbankoranorganizationliketheConsumerCreditCounselingServiceinyourareaandaskthemtohelpyouorganizeyourfinancesandworkoutabudgetforyou. \)"- Ї * RP   mD   RPCHAPTEREIGHT# RP   mD'# $     RP+ n-   +- + nAGENCIESTHATWILL#+՞'#&&HELP#&&1(##(#+ԀYOUPUTYOURBUDGETTOGETHERAND  0 EVENHELPGETCREDITORSOFFYOURBACK#+՚(# D  Therearesomestaterunagencieswhossolefunctionistohelpyouputtogether  h abudgetandevenhelpnegotiateapaybackplanwithyourcreditors.CONSUMERCREDITCOUNSELINGSERVICEisoneoftheseagencies. WhoneedsConsumerCreditCounselingService?Theaverageclientservedcomesfromeveryracial,social,andeconomicgroup.ThecommondenominatoramongCCCSclientsisthedesiretorepaytheirdebtsandavoidbankruptcy.Theyarewillingtoacceptstringentbudgets,workextrajobsandmakesacrificestorepaythedebtsowed.FamiliesandindividualscometoCCCSforavarietyofreasons.Unemploymentandunderemploymenthavebeenthenumberonereasonforthepasttwoyears.Howeverdivorce,insufficientmedicalinsurance,illness,deathofthewageearnerfollowscloselybehind.Surpassingly,lackofcontrolandotherimpulsebehaviorranklowerthanthesecauses.WhateverthecauseCCCSrepresentsanexcellentopportunitytosalvageacustomerandrecovertheiroutstandingamounts. L)"- ЇTHEAVERAGECLIENT:Age:35yearsoldGender:49%male51%femaleMaritalStatus:52%married25%singleHomeowner:41%arehomeownersAverageFamilySize:3.3peopleGrossIncome:$2000.00permonthNumberofCreditors:ElevenOutstandingUnsecuredDebt:$19,700WhileDebtManagementPlans(DMPs)requirefocusedcooperationbetweencreditor,consumerandcounselor,theyareonlyoneoftheprogramsaffectingyouroperation.Theeducationprogramsteachpresentandfuturecustomershowtosetandachievefinancialgoals.Theseprogramsemphasizebudgeting,moneymanagementskills,andproperuseofcredit.Oneononecounselingforfinanciallystrugglingfamiliesprovidesanobjectivethirdpartyreviewofincomeandspendinghabits.Debtisfrequentlyreconstructedthroughconsultationsofamiliesarebetterabletopayinfullontheirown.DMPsarealastresortforfamilieswhocannotmeettheirobligationswithouthelpfromthecreditorstheyowe.ClientsenteringaPlanstopallcreditpurchasesimmediatelyandcutuptheircreditcards.CCCScounselorsworkwiththefamilytodevelopabasicbudgettorecovernecessitiesandthendivideallotherfundsequitableamongcreditorstocoverdebts.Plansaverage44monthsinduration. (". Asaprogramoflastresortshortofbankruptcy,yourpoliciesoncooperationwithCCCSDebtmanagementPlandeterminetheirsuccess.Sincetheaveragedebtorowes11creditors,allcreditorsmustworktogether.AsingleuncooperativecreditorcankillthePlanandsendfamiliesintobankruptcy.Ifeelthatthisprogramisoneofthebestprogramsavailabletoyouifyouhavegottenintodebtbeyondyourabilitiestogetoutof.TocontacttheCCCSofficenearestyoucall1800388CCCS.,COMMENTS:#,5#   CCSdoeschargeafewtothecreditorformanagingtheirdebtorspayments.Theirfeesvary1015%,dependingonwhereyoulive.IhavenopersonalexperiencewiththembutifIcouldnotnegotiateadebtwithacreditor,collectionagency,orattorneyIwouldgotothemtothemandhavethemnegotiateoneforme.Againthismethodbringsbackpeaceofmindinyourlifeandyoudontneedpropertyorgoodcredittoqualifyforaloan.Thisisyourthirdoption.THISSECTIONISTOBECREDITEDTOCCCSSOWNPUBLICATION:Exceptforthecommentssection.#8# t!$   RP   v   RP <)", CHAPTERNINE# RP   v 9#X5 X  RPX X XX5  XX. WHATTODOWHENTHELENDERISASKINGFORPAYMENTANDYOU ` DONTHAVEIT:# .9##X X 9# L  XX XXXXThischapterisforpeoplewhodonotownpropertyorwhoscreditissobadthey  p cannotgetapersonalloanatadecentinterestrate.Therearecompaniesouttherechargingpeoplewithnottoogreatcredit22%35%interestIdontthinkthesecompaniesaretoogoodtodealwithifyoucanhelpit.ActuallyinHawaiiyoucanhavetwosmallderogatoryiesonyourcreditreportlikea60daylatepaymentanda$41.00paidcollectionaccountandthebankswonttouchyouorgiveyoualoan.Canyouimagine?WhatisthiscountrycomingtowhentheUSAcanowetrillionsofdollarsandstillgetloanseverywhereandcountriesweknowcanteverpaybacktheirloansarethrownmoneyatandsomeonewithtwosmallderogatoryiesontheircreditreportcantgetabankloan.c! .!c&&. q&&&&STEPSTOFOLLOWIFYOUHAVENOMONEYTOPAYBACKYOUR 4  DEBTWITH:#&&&q&>## .&&i>#  " . 1.Contactcreditorsandexplainyourfinancialsituation,assoonasyougettheir "0$ bill.ThismeansdontbeembarrassedifyoucantmakeyourpaymentCALLTHEM.Oftentheywillworkwithyouinresolvingyourfinancialdifficulty.Theymay evenallowyoutomakesmallerpaymentsuntilyougetbackonyourfeet.Most ' * companiesknowiftheyforceyouintobankruptcytheywillneverseeapennyof themoneyyouowethem.Theydontwanttojeopardizetheirinvestmentinyouandtakealossorwriteoff,sotheywillacceptsmallerpayments,realizingittobebetterthannothing.Theyalsodontwantthelossofrevenuewhentheyturnyouraccountovertocollections.Mostcompanieswillacceptyourstory,ifitisgenuine,andworkwithyoutoresolveyourfinancialdifficulties.Sotheycanrecoupthefullamountoftheirinvestmentinyou.Explaintothemifyoulostyourjobandneedafewmonthstofindanotheronebeforeyoucanstartmakingyourpayments.Orifyouhavesomereservemoniesaskifyoucouldmakeasmallpaymentuntilyouareonceagainemployed.Orifitistaxsessionexplaintothemthatonceyoureceiveyourtaxreturnyouwillmakefullpaymentorcatchupyourmissedpaymentsbutnowyouneedalittlebreathingspaceandtime./ (". ЇSAMPLELETTERNEGOTIATINGASTAYINPAYMENTS#/D#: d ӀJoeDoèP.O.Box3333̀Honolulu,Hawaii96813EDr.O.U.MedicalBills:323CreditorsWayHonolulu,Hawaii96823ZFDateToWhomItMayConcern:DuetothelossofmyjobandmyincomeIwillbeunabletomakemymonthlypaymentsonyouraccountsforaperiodofsixmonths.Iwouldgreatlyappreciateyourhelpinofferingmeasixmonthstayinpayments.IfIbecomeemployedbeforeIwillbeginmakingmypaymentssooner.Thankyouforyourunderstanding.Sincerely,JoeDoe (". ЇNonewantstopayacollectionagency35%ifyoucanworkitoutbetweenthetwoofyou.Thecreditorwouldratherreceivefullpaymentontheirdollarthan65%whichiswhattheygetiftheaccountisturnedoverforcollections.Andontheworstscenariomostcompaniesdonotwanttoforceyouintobankruptcysincethiswouldmeanthetotallossoftheirrevenue.Ondoctorbillsorotherpersonalbillsyoucanoftenpayaslittleas$5.00amonthandtheaccountwillnotbeturnedoverforcollection,sinceyouaremaking, agoodfaithefforttopayback.Still,usecommonsense.Ifthebillisaverylargeone,acoupleofthousanddollarsforinstanceandthedoctorischargingyouinterestitmaybehooveyoutomakelargerpayments.Otherwise,youmaybepayingmoneytohimfortherestofyourlifeandhis.Alsoifyouarebeingchargedinterest,youllnevergetyouraccountpaidback.Negotiatefortheinteresttobestoppedandagoodcreditratingifallobligationsaremetasspecified.Sousecommonsense.Trytopaybackoneaccountatatime,payitoffandgotothenextonebutbesuretocontactcreditorsastowhatyouaredoingandwhenhisbillwillbepaidoffsohedoesnotturnyouraccountovertocollections.ExplainforthreemonthsIamgoingtopayyoufivedollarsafterwhichtimeIhavesuchandsuchbillspaidoffandIwillincreaseyourpaymentto$50.00etc.Mostpeopleappreciateyourhonestyandwillworkwithyoutohelpyououtofyourdifficulty.Trytopayofftheaccountswhowontwait,first,unfortunatelythesqueakywheelgetstheoil.Aswellasaccountscharginginterestbecauseinterestcanbecomegreaterthanthebillitselfandbecomeaneverendingnightmare. (". ЇOnceyouworkedoutarepaymentplanbesuretosticktoitorthecreditorwillthinkyouarelyingandturnyouraccountoverforcollections.Ifyouhavetomissapaymentforsomereasoncallhimandtellhimwhatisgoingon.Thatcollectionagencymaynotbeasunderstandingasthatcreditor.Whenyouhaveabillpaidoff,callthenextcreditorandtellhimyouwillbeincreasinghispaymentandsticktoit.Donotthinkthatnowyouhavesomeextramoneyandgooutandmakeanotherdebt.Whenallyourcreditorsarepaidbacktakesomeofthemoneyyouhavebeenpayingoutandstartsavingincaseanemergency.Orstartsavingforyourchildrenscollegeeducationoryouroldage.Rememberthelessonyouhavelearnedthroughthisexperienceanddonotgetintodebtagain.  RP   v   RP )") CHAPTERNINE# RP   vR# d     RPX X    XX0 YOURACCOUNTISATTHECOLLECTORS:# 0S##X X S# ` XX XXXXLetssayyouhaveignoredallmyadviceuptoonowormybookhascomeouttoo p  latetohelpyou.Whatdoyoudonow?CollectionagenciesareregulatedbytheFairDebtCollectionPracticesAct.Whatthismeanstoyouisthattheycannotuseanyunfairordeceptivepracticestocollectfromyou.1.Firstinmoststatestheymustbelicensedandbonded,makesuretheagencycollectingfromyouis.2.Theymustsendyouadisclaimerastheirfirstletterwhichgivesyoutherighttoaskwhotheoriginallenderisandwhatthisbillisfor.Iftheydonthavethisinformation,theycannotcollectonthedebt.(Contactanattorneyatthispoint).A.Writeandrequestfromthecollectionagencythenameandaddressoforiginalcreditoraswellasamountowedandforwhatservicesthisbillisfor.Iftheycannotprovidethisinformation,thisdebtmustbewrittenoff.Ifthisdebtisolderthansevenyearsitistobewrittenoffandbecomesuncollectibleandforgiven.Whileverifyingdebtwiththecollectionagencythecollectionagencycannotgiveoutanyderogatoryinformationonthisaccount.B.Ifyourincomeislow,youwanttotalktotheLegalAidofficeinyourareafortheiradviceonrepayment,negotiationspossibilities,ortohavetheaccountforgivenandwrittenoff.Askthemforhelpinterveningonyourbehalfwiththecollectionagency.Moststateshavegarnishmentguidelinesifyoufallbelowthese )#. Їguidelinesyoumaybeuntouchablebyacollectionagency.Thismeansthatevenifacollectionagencywinsjudgementagainstyoutheycantcollectfromyou.Sowhywouldtheysueyou?Theywillnotwaistmoneysuingsomeonetheycanneverrecoverfrom.Usuallyanattorneycannegotiatebetterpaybackratesforyou.Makesurethatifyoudecidetohireyourownattorney,anddontqualifyforfreeservicesthatsuingisfinanciallycosteffectiveforyouinregardstothisparticularbill.Legalaidisfree.SomeattorneygroupslikeHawaiiLawyerscarecanalsoprovidefreelegalassistancetolowerincomepeople.Checkitoutbeforeyoudoanything.LookforagenciesinyourareathataretheequivalenttotheonesImentioninHawaii.Ifyoudecidetohireaprivateattorneymakesureitwillbecosteffectiveinrelationshiptothisdebt.Takeadvantageofthefreeconsultbyattorneysbothbyphoneandinperson.Ifyoudecidetohireanattorney,askforhisratesandgetitinwriting.Mostinitialconsolationsarefree.3.CollectionAgenciesmustfurnishyouwithacopyoftheoriginaldebttheyaretryingtocollecton.Atyourrequest.Withthenameandaddressoforiginallenderifyoudisputethisdebt.Thismustbedoneafterthefirstcollectionletterissenttoyouaskingthevalidityofthisdebt,Youhave30daystomakearequestforprooffromthedateofthecollectionagenciesfirstletter.Ifyoudonotgetthisletter,itisagainstthelawforthemtotrytocollectfromyou.Collectionagencylettersmustalsocontaininformationtotheeffectthat,thisisanattempttocollectonadebtandanyinformationwillbeusedforthatpurpose.A.Waitforthereply. (". B.Onceyourreplycomesyoucanacceptthisbillasvalid.Oryoucandisputeit.Ordonothing.Ifyoudonothing.Firstthecollectionagencywillgothroughtheirbarrageofletters.Iftheycanttakelegalactionagainstyouduetothecreditorsrefusaltoallowit,theywillstopcommunicatingwithyou.Thismeansthatthedebtwaseitherthrownoutorifthecreditorisdeterminedturnedovertoanotheragency.Ifyougetaletterstatingthat,ABCCOLLECTIONAGENCYhasturnedoristurningyouraccountovertoanattorney.Believeit.Immediately,sendthemwhateveramountofmoneyyoucanmusterup.Believemeitsbetterthanbeingsued.Iftheyacceptyourmoneyyouaresafeaslongasyoucontinuepaying.Makethepaymenttothecreditor.Notthecollectionagency.Ifyouaresued.Youraccountwillbeturnedovertosomeshysterlawyerwhowilltrytocollectasmuchmoneyfromyouasthecourtallows.Theonlygoodpartofthisisthatyoumustbeservedinperson.Thismeanstheyhavetofindyoutoserveyou.Iftheycantfindyou.Theycantserveyou.Andyoucannotbesued.1.Ifyouareservedyoumustappearincourtonthedesignateddayspecifiedonyoursuit.2.Ifyouareservedandyoupleadquiltybeforethejudgethejudgewillpasssentencerightthereandthen.3.Youcanalsopleadquiltywithanexplanation.Thejudgegivesyouanopportunitytopleadyoursideofthecase.Haveasmuchconcreteproofwithyou (". aspossibletoproveyourcase.Besuretoreadoverthesectiononsmallclaimscourt.4.Ifyoupleadinnocentatrialdatewillbeset.5.Puttogetherallyourfactsinwritingalongwithallbackupandcorrespondenceconcerningthismatter.6.Makeatleastthreecopies,oneforthejudge,oneforyouandoneforthepeople(s)youaresuingorwhoaresuingyou.7.Beprepared.Practicewhatyouintendtosaytothejudge,butalsohaveitinwritingsohecanfollowalong.Beconvincing,haveyourfactstogetherbecourteousandexpedient.8.Waitforhisdecision.9.Ifhefindsinyourfavoryouroffthehook.Thisisover.Checkyourcreditreportmakesurethisaccountisnotreflectedthere.10.Ifyoulooseyourcaseandyouarefoundguiltyajudgementwillbeenteredagainstyou.Ifyoucantpaythemoneybackatthistimeincludingcourtcost,filingfees,attorneyfees,sherifffees.Thenthejudgementwillbeenteredonyourcreditreport.Andtheiraftercancomeforthagarnishmentorder.11.Whatisgarnishment?Thatswhentheattorneygetsanorderfromthecourttotakeapercentageofyourwagesandwithholdittopaythecourtorderedgarnishment.Theamountofthisdeductionvarieswitheachstatewhichsetforthguidelinesofsalaries. 1HAWAIISGUIDELINESAREPROVIDEDINBOOKII:#1l# d'!, 12.Technicallyoncethejudgementissatisfiedgarnishmentshouldstop.Keep trackoftheamountofthejudgementawardedagainstyou,howmuchisbeingdeductedandyourbalance.Sometimesyouremployerjustkeepsonsendingpaymentstothecollectionagencyandthenyouhavetocollectitback.Goodluck.Itseasiertokeeptrackmonthlytoknowyourstatus.13.Garnishmentsevenafterbeingissuedcanbeavoidedbyquittingyourjob.Thenanewgarnishmentordermustbeissuedtoyournewemployer,onceyouarefound.14.Ifyouloseyourcase,atleastnegotiatethatthisdebtcanneverbeplacedonyourcreditreport.Nowafteryoupaidthisdebtyoucanonceagaingoon.Youmaywanttosenda2disputeletter#2p#Ԁatthispoint.Thisisjustafteryoureceived  the weareturningyouraccountovertoanattorney,letter.Inmostcasesthecollectionagencywillstillresearchthedebtifyoupushthem.Theywillneedtosendyouacopyoftheoriginalbill,creditorsname,andamountoforiginalbill.Iftheycantfindthisinformationtheycantpursueyouanyfurtherandyoumightevenbeabletosuethemforafewhundreddollarsforharassment.3YOUCANALSOSENDACEASEANDDESISTLETTER#3Dr#. d!$ YoucanalsohavetheoptionofwritingthemaCease&Desistlettertellingthecollectionagencynevertocontactyouagain,eitherathomeoratwork.Theycannotcallyouafterthedateyouspecifiedonyourletter(givethem10daysfromthedatetheyreceivedofyourletter).Nowtheyareonlyauthorizedbylawtocallyouonemoretimetoexplaintoyoutheremedytheywishtorenderagainstyou. (". DONOTACCEPTANYREGISTEREDMAIL.TheFairDebtCollectionPracticesAct,givesyouthisout,butifitislegalforacollectionagencyinyourstate,atthispoint,theymightsueyou.Ifthedebtisalargeoneandthecompanytheyrepresentallowslawsuits.Sobecarefulifyouchoosetodothis.Dothisatyourownrisk.A.Againmyadviceistotalktotheagencywhentheycontactyou.Dontletthishangoveryourhead,trytonegotiateapaybackamountwiththeoriginalcreditorifyoucanalongwiththetimeframeforrepaymentofdebt.Thiswayyoucangoonwithyourlife.5.Iftheagencycallsyouatworkyouhavetherighttotellthemnottobotheryouthereandfollowitupwithaletterthatyoukeepwithyourrecords.Keeptrackofallphoneconversationsandkeepallcorrespondencebetweenthetwoofyou,abouteverythingdiscussed.Youmightevenwanttorecordtheseconversationforfutureuse.Keepaphonerecordofallcallsandconversationaswellasdatesandtimes.AllmailmustbesentregisteredmailYoumayneedproofsomepoint.6.CollectionagenciesCANNOTtalktoyourboss,oryourspouse,yourchildren,yourneighboraboutyourbillitsagainstthelaw.Theycannotharassyourchildrenoranyothermemberofyourfamilythatisnotresponsibleforthisbill.7.Iftheyviolatetheserightsyoucansuethem.8.Theyarenotallowedtocallyoueveryday.Theyarenotallowedtocallyou before8:00amandafter9:00PM,yourtime.Theyarenotallowedtoletthe &@ + phoneringcontinuously,toannoy,harass.Andtheymustidentifythemselveswhentheycallascallingfromacollectionagency. Mysuggestionagainiscallthem,talktothemonceyoureceiveacollectionletter.Explainyoursituationtothecollectorandtrytoworkoutarepaymentplan.Ifyouarenotgettinghelpfromthecollector,askforthemanager,ownerorsupervisor.IftheyrestillrudeorunwillingtohelpyoucalltheFederalTradeCommission11000WilshireBlvd.LosAngeles,CA.90024orcall(310)5757575orseeiftheirisoneinyourarea,orcontacttheclosesonetoyou.Fileareportaboutthewaytheyaredoingbusiness.CalltheBetterBusinessBureauandifyouhavethemeanshireanattorney,andfileasuit,orbetteryettakethemtosmallclaimscourt.SendcopiesofallthecomplaintlettersyousendouttothedifferentRegulatoryAgencies,andtothecollectionagencyyouarefilingacomplaintagainst.ThisisdonebyplacingaCCatthebottomofyourcomplaintletteralongwithacopyofthelettersent.4 )@#/ SAMPLELETTERTOREGULATORYAGENCY#4#: d ӀJoeDoèP.O.Box3333̀Honolulu,Hawaii96813FederalTradeCommission6th&PennsylvaniaAvenueNWWashington,D.C.20580DateToWhomItMayConcern:Pleasesendmeyourformsforfillingcomplaints.Ihavebeenhavingproblemsresolvingcertaincreditmatters.Yourimmediatecooperationinthismatterwillgreatlybeappreciated.̀4Sincerely,JoeDoe (". ЇYoumaybeabletoscarethemoff.However,frequentlyiftheagencyseesthatyouarewillingtoworkwiththemtheywillworkwithyou.Againifyouhavelimitedfundstrytopaybacktheminimumyoucanonyourbilllikefivedollars,thisshowsyoure goodfaith. X XTherearesomecaseswherethelenderhasinstructedthecollectionagenciesastotheminimumpaymenttheywillacceptonthisdebt.Againifyouhavethousandofdollarstopaybackusesomecommonsense.Iflargebalancesareinvolvedaswellasinterestyoumayspendtherestofyourlifepayingbackthisdebt.Sopayitofffirst.Negotiatetheloanovertoanoneinterestchargingloan.Askforcreditclearance.Dothisinwriting,bycertifiedmail,andreturnreceiptrequestedtobekeepinyourfileonceitsreturnedwithproofofsignatureofsignee.Ifthecollectionagencyisuncooperative,youmaywanttotrytocalloriginallender,butmorethannotifanaccounthasbeenturnedoverforcollectionstheywonttalktoyou.Nevertheless,writealettertotheoriginallenderandasktonegotiatewithhimthepaybackmethodyouwilluse.Spellthisoutclearlyanddontagreetoamountsyoucantstickto.Ifyoubrakethisoathwiththeoriginallenderhewillturnyouovertocollections.Hewillnevertrustyouagain.Ifyouaresincereandcanmanagethepaymentyounegotiatedyouwillbethewinner.Youcantlose.  %* Again,ifyouhavenobadhistorywiththelenderhemighthelpyouworkoutanequitablesettlementwiththecollectionagency.Youmustpaybackthisdebtasspecifiedonceyoucometothisagreement. Frequentlythecollectionagencywillworkwithyou.Theywanttomaketheircommissiononyourdebt.Theywillacceptallofferswithinreasonifnototherwiseinstructedbylender.Theydonotmakemoneyiftheycannotcollectthisdebt.Trytobecalmwhenyoucall.Donotyell.Explaintothemthatyouarenotyellingandtheyshouldstopyellingatyou.Youarecallingtonegotiatedasettlementorarepaymentplan.IfthepersonontheotherendisrudetellthemabouttheFairDebtCollectionPracticesActandsuggesttheychangetheirattitudetowardyou.Accordingtothelawyoudonotneedtobeabused.Askforthemanager.Onceyouworkedoutarepaymentplanwiththemanagersticktoit.Ifforsomereasonyoucannot,contactallpartiesimmediately.Inthismannertheyareawareofwhatisgoingoninyourlifeandtheymaychoosenottoturnyouraccountovertoanattorney.Keeptrackofyourpayments,makesuretheyhaverecordedandcreditedallpaymentsaccurately.Ifthereissomemixup,youhavedocumentedevidenceofallyourpaymentsandchecks.Keepcanceledchecks.Whetheryoumakepaymentsbycheckorcashierschecks(Irecommendusingonlycashierchecks toinsureyourprivacy).Thiswayyourbankinginformationisnotavailabletothe &@ + collectionagencyorcreditor.Incidently,iftheirisajudgementorderissued againstyou,yourbankaccountscanbegarnishedandmoniesheldtosatisfythisjudgement.Ifthedebttheyaretryingtocollectisnotyoursagaingetverificationofdebt,bysendingthecollectionagencyaverificationrequest.Thisletteristobesentcertifiedmail,returnreceiptrequested.5 (". ЇVERIFICATIONLETTER:#5 #ԀYourName d  ЀAddress(P.O.Boxifyouhaveone)̀City,StateZip##ABCCollectionsAddressCity,StateZipDateRE:Collectionletteron(account#)ToWhomItMayConcern:I,JoeDoe,aminreceiptofyourletterdated6/13/96.IatthistimewishtomakeaformalrequestforverificationofthisdebtasismyrightundertheFairDebtCollectionsPracticesAct.Sincerely,JoeDoe 0(!- ЇSendthisletterwithin30daysafteryoureceivedyourfirstcollectionletter.Whichisreferredtoasadisclaimerletter.Oncetheinformationarrivesfromthecollectionagency,reviewit.Makesureitsavaliddebtandthatitisyourdebt.Atthispointyoucaneitherpaythebillifitsyours,disputeitifitsnotyours.Ifyouhavealreadypaidbackthisdebtprovideproofandtellthemtoimmediatelytakethisdebtofftheirbooks.Andnotifythecreditreportingagencyofthiserrorandhaveitremovedfromyourcreditreport.Ifthisisnotyourbillyoucansendaletterofdispute. (". Ї6SAMPLELETTERTOCEASEANDDESIST#6I#: d ЀӀYOURNAMÈADDRESS̀CITY,STATEZIPABCCOLLECTIONAGENCYADDRESSCITY,STATEZIPƗDATE7RE:CEASEANDDESISTACCOUNT##7##   ToWhomItMayConcern:IamdisputingthevalidityofthisdebtundertheprovisionsprovidedmebytheFDCPA,section809,ac.YouareherewithnotifiedthatunderprovisionofPublicLaws95109and99361,alsoknownastheFairDebtCollectionPracticesAct,thatyoumustCEASEandDESISTallfurthercommunicationswithme.Thisisanofficialnoticetoyouandyourfirmtostopallattemptstocontactmeinanymannerregardingthisallegeddebt.IfthisisavaliddebtwhichIamdisputingIwishtoresolveitwiththeoriginalcreditorsinceitismypolicyneithertorecognizeordealwithcollectionagencies.1.YouandyourorganizationmustCEASE&DESISTallattemptstocollectontheaboveallegeddebt.FailuretocomplywiththislawwillresultinmyimmediatelyfilingacomplaintwiththeFederalTradeCommissionandtheStateAttorneyGeneralsofficeaswellastheBetterBusinessBureau.IfyoufurtherignoremydemandsandcontinueyourcollectioneffortsIwillpursueanyandallcriminalclaimsagainstyouandyourcompanyandthecompanyyourepresentthatthelawaffordsme.Ø2.LetthisletteralsoserveasawarningthatImayutilizetelephonerecordinginordertodocumentanytelephoneconversationsthatwemayhaveinthefuture.> (". 3.Furthermore,ifanynegativeinformationisplacedonmycreditbureaureportbyyouragencyafterthereceiptofthisnotice,thiswillcausemetofilesuitagainstyouandyourorganization,bothpersonallyandcorporately.AndIwillseekanyandalllegalremediesavailabletomebylawundertheFairCreditReportingAct. Sincerely,JoeDoè (". ЇRememberifyousendthisletterallbutonemorecommunicationsisallowedtothecollectionagencyandthatistosay,youllhearfromourattorney.Ifanaccountisremovedfromyourcreditreportkeeptheproofforaslongaspossiblebutforaminimumofsevenyears,verifycreditreportthatithasbeenpurgedfromyourreport.Otherwisethisaccountcouldpopbackupatanytime.Ifyougetanylettersaboutbillsthatarenotyoursdonotignorethemtakecareofitrightawaysoyourcreditisnotaffected.Themostimportantthingyouhaveisyourcreditandwhenthatisgoneyouhavenothingincaseofanemergency.̀  RP   v   RP T(!( Ї# RP   v%#V mD   RPCHAPTERELEVEN# RP  V mD# d X5 X  RP~X@X XX5IFYOURACCOUNTIS{X@XX~X@TURNED{X{X@#~{<#8~ԀOVERTOANATTORNEY#8X$X8a##~X@X$X8X#XrXX~X@ p #~X@XXXr#XXX~X@XXItisagainstthelawforacollectionagencytothreatenyouwithalawsuitandnot  X followthrough.Soifyouignoredallcollectionletters,allcollectioncallsandyourdebtis$500.00andabove.Thecollectionagencymightpetitionthecreditortosue.Ifthecreditoragreestoasuit,yourcollectionaccountisturnedovertoanattorney.Theattorneyissomehungry,badlykept,mouthwhogetsamultitudeofcollectioncasesandhashesthemoutincourt.Thejudgesintheirturnpushthesecasesthrough.Eithertheplaintiffwillnotshowupfortheircourtdate.Inwhichcasehewinsbydefault.Ortheywillappearandpleadguilty.Towhichheagaincomesoutaheadinthestatics,chalkupanotherwin.Thentheirareafewofthosecasesthatareactuallybroughttotrial.Itdependswherethesecasesarepresented.̀AsBruceLeeoncesaid, 9INTHECOUNTRYTHEJUDGESARETERRIBLE#9N# X (Hawaii).IhaveneverseenacasepresentedwherethejudgelistenedtothePlaintiff.Imnotsurewheretheirdecisionscamefrom,maybefromtheskybuttheywereterrible.WahiawaandKaneohearetheprimaryareasIveseenthis "`$ occur.PearlCitywasalittlebetter,therewasmorecompassionforthepoor. (h", INTHECITY:#K# d Ifoundthebestjudges.Theywereprofessionalandlistened.Decisionsweremadeonproofpresentedandnotfabricatedfromthesky.̀TherearesomecollectionagenciesandtheirattorneyswhoarerealSONOFAGUNStheyrunaccountmillssobecareful.Ifyougetaletterfromthecollectionagencysayingthattheywillturnoveryouraccounttotheirattorneyifpaymentisnotreceivedbysuchandsuchdatedonotignoreit.Callthecollectionagencyimmediatelyandseeifyoucanworkoutarepaymentplan,itstillmightnotbetoolate.Iftheaccountwenttotheattorneyitstillmightnotbetoolate,itdependsontheattorney.Usuallyatthispointifyouhaveanattorney.Iwouldcontacthimandhavehimcallthecollectionagenciesattorney,forsomereasontheytendtorespondbettertoeachother.Iftheattorneyagreestotakeyourcasehewillprobablystillsay,thatyouraccountistosmallforhimtogotocourton,butthathewillwriteyouanegotiationrequestletterorjustcallthecollectionagenciesattorneyandmakesettlementrightthenandthere.Hewillchargeyouattorney l!$ fees.Findoutbeforehand,howmuch.Seeifhisfeesarereasonableforthedebtamountandmakeyourdecisionthus. Youshouldaskhimifhecannegotiateareductionoffeesforasmallfee. l'!, Ifyouignoredallthecallsfromoriginallender,allthecallsfromthecollection agencyaswellastheirlettersandyouraccountisbeingturnedovertoanattorney,YOUAREINDEEPSOUP.Thesheriffwillcometoyourdoorandtrytoserveyouwithcourtpapers.Youcanhidefromhimbuthellpoundonyourdoor,callyournameandembarrassyouinfrontofyourneighbors.Ifyouareworking,hecancometoyourworkplaceandserveyouthere.Tellthesecretary,yourbossoranyonewhowilllistenwhyheisthere.Ifyoudonotworkinanofficeenvironmentbutareresponsibleforseveralareas,hemayfollowyouaroundfromjobsitetojobsiteandtellanyonehemeetsaboutyourdebt.Whileheistryingtoserveyou.Ifyouworkforaparticularcompanywithalogohemayaskotheremployeesofyourcompanyiftheyknowyouandhowtocontactyou.AndallthesethingsarenotillegalunderHawaiiLaw.Onceyouareserved,youhavetogotocourt.Youhavetoenteryourplea.Ifyoupleadguiltyyounowhavetopayoriginalbillpluscourtcostandattorneyfees.Nowyouhaveanaddedbilltackedontosomethingalreadycannotpay.Thenextstepisthatthecourtwillauthorizeagarnishmentfortherepaymentofthisbill.Theywilltakeyourincomeandmatchittothegarnishmentformulaanddeductfromyourchecktheappropriateamountyoumustpayeachmonth,eachweekorbiweeklydependingonhowyourcompanypaysyou.Ifyouhavemoneyinthebank,theymayputaleanagainstit,torepaythisdebt.Ifthebillisbothinyournameandyourhusbandstheattorneycouldlevyalienagainstyourpropertyandforceyoutosellittorepaythisdebt. (". &m&&u&&&mMOSTIMPORTANTOFALLIFYOURWAGESAREGARNISHEED,THE d COURTDOESNOTTAKEINTOCONSIDERATIONANYOFYOURDAILYSURVIVALEXPENSES.&m&&&u&&mIfyouareunemployedorquityourjob.Youthinkyouhavegottenawayfromthis   debt,yourwrong.ThisaccountwillremainonyourcreditreportforTENYEARS.AfterwhichtimethecreditorcanrenewthisgarnishmentorderforanotherTENYEARS.Sowheredoyouhide.Duringthesetenyears,everytimeyouapplyforanyloanitwillberejectedbecauseyouhaveanoutstandingjudgementandgarnishment.Evenapaidcollectionaccountof$42.00willmakeyouunabletogetaloanthroughabankforSEVENYEARSandthatisfromthedateofreporting.Soifyouroriginaldebtisfrom1989andyouthinkitwillberemovedfromyourcreditby1996youarewrong.Theagencycanreportthisaccountin1994anditwillnotcomeoffyourcredituntil2001.Whatabummer.Ifyouhadthedebtthatoriginated6years11months30daysagoandyoumakeapayment,the7yearsstartsalloveragain.ӀThecourtisnotsomethingyouwanttobeinvolvedwith.Onabrighternoteifyoupleadnotguiltilyandcanproveyourcaseyouowenothing.IfyouhavetogotocourtwhetheritissmallclaimsorCircuitCourtdependingonthesizeofthedebtortheagencycollecting,besure,youhaveallsupportingdocumentswithyoutoproveyourcase.Makeacopyforyourself,theotherparty,thejudgeandanyoneelsewhoisrepresentedthere. T)". Ihavenoticedthatoftenjudgesdonotlistentoyourcaseverycarefullyandbygivinghimacopyofyourcase,aswellasthepresentation,hecanfollowyourcasebetter.Ifyouhavetoappearinsmallclaimscourt,youwillfinditmoreinformalthantheCircuitCourt.Yourcasemayalsoreceivemoreconsiderationandleniencytoproveyourcase.InCircuitCourt:XXԀ#XX#thecourtexpectsyoutobe d  moreprofessionalandhaveexhibitsandfactsavailableforthecourt.Inotherwordsyoumustbeprepared.Youmusttestifyastowhyyoudonotowethedebtandyouneedtobringprooftoverifyyourarguments.Besureyouhaveyourfactstogetherorthejudgewilllosepatiencewithyou.Knowthelawyouaredefendingsoyoucanpresentitaccurately,logicallyaswellaswereinthestatuteitstatesthis.Prepareyourcasecarefully,haveallfactstogetherdonotjumpfromsubjecttosubject,sticktothefactsdonotantagonizethejudge,heisGODinhiscourtandhisdecisionsareusuallyfinalsoyourprofessionalismandknowledgeoffactsreallycount.AlsobeawarethatthejudgewillsometimeslookatyouasalaypersonandtaketheattorneymoreseriouslyBEPROFESSIONALgetthejudgeonyourside.Iwillincludesomecourtpapersthatyoucanusetogetmotions,andexhibits,findoutwhattheoppositionscaseisagainstyou.Makesuretoadaptthemtothestateyouliveinbeforeyouusethem.Thesepaperscanevenbeputonyourcomputerandusedrepeatedlyshouldyouhaveaneed. <)".  IfanythingthatIhavesaidsticksinyourminditshouldbeCONTACT d CREDITOR,TRYTOWORKWITHHIMFIRSTBEFOREYOUBECOMEENTANGLEDINSOMETHINGYOUCANNOTGETOUTOF.Thelastresortshouldbebankruptcy.    Butweightheprosandconsofabankruptcybeforeyoudoit.Howmuchdoyouowe?Istheamountofthedebtordebtsunmanageableenoughandburdensomeenoughtofavoryouhavingabankruptcyonyourcreditreportfor10years?  RP   v   RP '`!" # RP   v# mD   RPCHAPTERTWELVE# RP   mDK# d     RPX X  X$X XXBANKRUPTCY#X X$XX#  XX XXXXIfyoudecidedthatyouhavetofilebankruptcybecauseyoujustcannotescape  X fromyourdebtsandrepaymentisnolongerfeasiblegotoanattorney.Therearesomeattorneyswhowilldoabankruptcyfor$500.00.Trytogothisrouteifyoudonothaveagreatdealofassets.Ifyouownalotofpropertyorhaveassetsyoumaywishtocontactahighpoweredattorneywhowillchargeyouthousandsofdollarsbutitmightbewellworthitforyoutodothis.Rememberbankruptcyisonyourcreditreportforsevenyears.Butthenyounolongerhaveallthosenumerousderogatoryaccountsonyourcreditreport.Bankruptcymaynotbemuchbetterbutitsneater.Therearesomelendinginstitutionsthatstilldealwithyouevenifyoufiledbankruptcy.Theyseethatyoucannotfilebankruptcyforanothersevenyearsbywhichtimetheyshouldhavetheirmoney.Ergoyouarenolongerathreat.Theywillloanyoumoneyonlyatahigherinterestrate.t/XX/t XXWhydopeoplefile?#XX Ѫ# L#$ XrXXXTheyfilebecausetheycannolongerlivewiththepressurestheirbillshave \%& causedintheirlives.Theycannolongerlivewiththeharassingcalls,andsheriffspoundingattheirdoor.  )"* XXr# v #Bankruptcies:##  vZ# d yE0#*0yEChapter7#yE0*# ` T* 10yET1T* Whatisit?Onceyouhavecometotheconclusionthatyoucannotbarethe   harassmentformthecreditors,collectionagencies,andattorney.Youmaydecidetofilebankruptcy.Dontdoitunlessyoujusthavetofromthepressuresimposedonyoubyyourbills.Bankruptcydoesnotdischargeallyourdebtsbutonlytheonesmandatedbyfederalandstatelaw.Checktheselawsandweighyourdecisioncarefully.Makesurewhatyouareabouttoloseinordertofilebankruptcydoesntoutweighwhatyouaretogain.IRSobligations,studentloans,childsupportrearegesarenotaffectedbybankruptcy,youstillowethese.OnceyoumakeyourdecisiontofilebankruptcyknowthatalongwiththedischargeofyourdebtsyoumayalsolosesomeofyourpersonalpropertyPTandyoucannotfileforbankruptcyagainfor l anothersevenyears.Somepersonalpropertyexemptionsarecashvaluelifeinsurancepolicies,individualretirementaccounts,homestoacertainvalueandmore.Checkyourstatelawsconcerningbankruptcybeforefiling.P* 1P&&1P* CHAPTER13#P* 1&&##P1P* # "$ Whatisit?Thisalsoaffordsyoutheopportunityofshorttermrelieffromyourdebtsandcreditors.Thistypeofbankruptcyisevenmorehorrendous.Itdoesntofferyourelieffromyourdebts,onlyatemporarystay.Itallowsthedebtorto (!* extendportionsofhisindebtednessoveranprolongedperiodoftime.Keepinghiscreditorsatbayfor5years.Protectingyouagainstpotentiallawsuits,garnishmentsandothercreditoraction.Itisstillreportedonyourcreditreportasabankruptcyanditismorecostlytomanagebecauseofthepaymentmonitoringcosts.Andifafterfiveyearsyoustillcantpayyourdebtback,whichistrueinmostcases.ItstillhastobeconvertedintoaChapter7.Mostpeoplewhogothiswayarehonesthardworkingpeoplewhotrytohonortheirfinancialresponsibilitiesandpaytheirdebts.QualificationisamustforChapter13andonlynoncommissionedpeoplequalify.Chapter13isgoodifyouhavealotofnoexemptassets.Ornondischargeabledebts,suchassupport,studentloans,willfulandmaliciousinjurytoproperty.Chapter13allowsyoutoeliminate,reduceorextendtheperiodofpaybackonthesedebts.WhereunderChapter7youwouldhavetoliquidateyourpropertyforimmediaterepayment.Chapter13canbefiledifyouhavealreadyfiledChapterseven.ThebenefitsoffilingaChapter13versusChapter7couldbethatapotentiallenderfindsfavorinyourrepaymentofadebtandnotseekingthedischargeofthedebt.Interestchargesarestoppedonyourdebts.Andfinallythecreditormaynotacton,commenceorcontinueanycivilactionagainstthedebtorandhisdebtoncebankruptcyisfiled.Thisalsoappliesiftheirwasacosignor.Thelendermustwaituntiltherepaymentiscompletedbythedebtorandthenpursuethecosignorforanybalances. (". ЇPk2 n- 2k mD -  nCHAPTERTHIRTEEN# n-   mDP##k2-  n1#  X$X2k-X@X$XXCONCLUSION:#X$XX-X@##k2$XX# d  32k3InconclusionIhopethatIhavehelpedyououtofyourfinancialdilemmaandwish L  foryouandyoursthebestdebtfreefuture.IthinkthatifyoumastertheinformationIprovidedforyou,youwillaccomplishthisandhavethebrightestfuturepossible.Alsorememberthetimetomasterlivingdebtfreeisnotafteryouhadfinancialdifficultiesbutbeforetheyoccursothatyouneverhavetofindyourselfinthissituation.YetifdebtoccursthroughnofaultofyourownrememberwhatItaughtyouandyouwillhaveabrightandsuccessfuldebtfreefuture. P  RP   P# P   RP,# RP   P#   RP #84  RP 48 v   RP & $ Ї#(5  v##845(# RP 48 mD   RPBOOKII# RP   mD##84  RPm# d 648X X6X@X XXCOLLECTIONLAWSFORTHESTATEOFHAWAII:#X XXX@M#     8)"% ACT313XrX XX CHAPTER443A P COLLECTIONAGENCIESDEBTCOLLECTIONPRACTICES  XXrXSECTION3.Section443A1,HawaiirevisedStatus,isamendedtoreadas   follows: X X_ X443A1Definitions.Asusedinthischapter: X X1. Personincludesanindividual,partnership,jointventure,corporation,associates,business,trustoranyorganizationgroupofpersons,orcombinationthereof.̀ X2. Collectionagencymeansanypersonwhobyhimselforthroughothersofferstoundertakeorholdshimselfoutasbeingabletoundertakeordoesundertaketocollectforanotherperson,claimsormoneydueonaccountsorotherformsofindebtednessforacommission,fixedfee,oraportionofthesumscollected.C @ ̀3. Collectionagencyincludes:π XA.1.Anyperson,debtcollectorusinganynameotherthanhisownincollectinghisclaimwiththeintentionofconveying,orwhichtendstoconveytheimpressionthatathirdpartyhasbeenemployed;B.2.Anyperson,debtcollectorwho,intheconductofhisbusinessforafee,regularlyrepossessesandmerchandiseorchattelsforanother;C.3Anyperson,debtcollectorwho,regularlyacceptstheassignmentofaclaimormoneydueonaccountsorotherformsofindebtednessandbringssuitsuponsuchassignedclaimsormoneydueonotherformsofindebtednessinhisownname,providedthatanysuchsuitsshallbeinitiatedandprosecutedbyanattorneywhoshallhavebeenappointedbytheassignor;provided,further,thatanypersonwhobyhimselforthroughothersofferstoundertakeorholdshimselfoutasbeingabletoundertakeordoesundertaketocollectforanotherpersontheamountsdueunderanyagreementwhichprovidesforinstallmentpaymentsandwhichissecuredbyaninterestinrealproperty,includingwithoutlimitation,mortgageloansandagreementsofsale,whetherornotsuchcollectionservicingagentreceivesanycompensationorotherconsiderationforhisservices,shallfallwithinthepreviewofchapter454D.4. Collectionagencydoesnotincludeattorneysatlawordistrictcourtpractitionersactingwithinthescopeoftheirprofession,licensedrealestatebrokersandsalesmenresidinginthisStatewhenengagedintheregularpracticeoftheirrespectiveprofession,norbanks,trustcompanies,buildingandloanassociations,companiesdoingescrowbusiness,individualsregularlyemployedonaregularwage.π  @(!, Orsalaryinthecapacityofcreditmenorothersimilarcapacityforasingleemployerwho isnotacollectionagency,oranypersondoingbusinesssubjecttopublicsupervisionandregulation,andanypublicofficeroranypersonactingunderanorderofcourt. Consumercollectormeansanypersonwhoregularlycollectsorattemptstocollect,directlyorindirectly,debtsofanaturalpersonincurredprimarilyforpersonal,family,orhouseholdpurposesowedordueassertedtobeowedordueeithertothecollectororanother. Debtcollectormeansacollectionagencyoraconsumercollector. Personincludesanindividual,partnership,jointventure,corporation,association,business,trust,savingsandloanassociation,oranyorganizationgroupofpersons,oranycombinationthereof.SECTION4.Section4436,HawaiiRevisedStatus,isamendedtoreadasfollows:443A6Fees.ACollectionagency,debtcollectorshallnotcollect,orattempttocollect,anycollectionfeesorattorneysfeeorcommissionfromanydebtor;providingattorneysfeeorcommissionmaybecollectedafterfilingasuitagainstanydebtorandsuchcommissionshallnotbeinexcessoftwentyfivepercentoftheunpaidprincipalbalance.Allattorneyfeesorcommissionscollectedbyacollectionagency,debtcollectorshallberemittedtotheattorneyandnoportionofsaidcollectionshallberetainedbythecollectionagency.SECTION5.Section44312,HawaiiRevisedStatus,isamendedtoreadasfollows:̀44312Threatsorcoercion.Nocollectionagency,debtcollectorshallcollectorattempttocollectanymoneyallegedtobedueandowingbymeansofanythreat,coercion,orattempttocoerce,includinganyconductwhichisdescribedasfollows:1.Theuse,orexpressorimplicitthreatofuse,ofviolenceorothercriminalmeanstocauseharmtotheperson,reputation,orpropertyofanyperson;2.Theaccusationorthreattofalselyaccuseanypersonoffraudorsuchotherpersoninanywaysubjecthimtoridiculeoranyconductwhich,iftrue,wouldtendtodisgracesuchotherpersonorinanywaysubjecthimtoridiculeorcontemptofsociety;3.Falseaccusationmadetoanotherperson,includinganycreditreportingagencythatadebtororallegeddebtorhasnotpaidajustdebt,orthreattosomakesuchafalseaccusation;4.Thetreattosellorassigntoanothertheobligationofadebtororanallegeddebtorwithanattendingrepresentationorimplicationthattheresultofsuchsaleorassignmentwouldbethatthedebtororallegeddebtorwouldloseanddefensetotheclaimorwouldbesubjectedtoharsh,vindictive,orabusivecollectionattempt;and5.Thetreatthatnonpaymentofanallegedclaimwillresultinthearrestoftheperson.SECTION6.Section44313,HawaiiRevisedStatus,isamendedtoreadasfollows:44313Harassmentandabuse.Nocollectionagency,debtcollectorshalloppress,harass,orabuseanypersoninconnectionwiththecollectionorattempttocollectanyclaimallegedtobedueandowingbythatpersonoranotherinanyofthefollowingways;1.Theuseofprofaneorobscenelanguagethatisintendedtoabusethehearerorreader; )@#/ 2.Theplacementoftelephonecallswithoutdisclosureofthecallersidentityorwiththeintenttoharass,orthreatenanypersonatthecallednumber;and3.Causingexpensetoanypersonintheformoflongdistancetelephonetolls,telegramfees,orotherchargesincurredbyamediumofcommunication,byconcealmentofthetruepurposeofthenotice,letter,message,orcommunication.SECTION7.Section443A14,HawaiiRevisedStatutes,isamendedtoreadasfollows:44314Unreasonablepublication.Nocollectionagency,debtcollectorshallunreasonablepublicizeinformationrelatingtoanyallegedindebtednessordebtor,inanyofthefollowingways;1.Thedisclosure,publication,orcommunicationofanyfalseinformationrelatingtotheindetnessofadebtororallegeddebtortoanyemployerorhisagent;2.Thedisclosure,publication,orcommunicationoffalseinformationrelatedtotheindebtednessofadebtororallegeddebtortoanyrelativeorfamilymemberofthedebtororallegeddebtor;3.Thedisclosure,publication,orcommunicationofanyinformationbyacollectionagencyrelatedtotheindebtednessofadebtororallegeddebtorbypublishingorpostinganylistofdebtors,exceptforthepublicationof stopliststopointofsalelocationswherecreditisextended,orbyadvertisingforsaleanyclaimtoenforcepaymentthereoforanyothermannerthanthroughproperlegalaction,process,orprocessing;and4.Theuseofanyformofcommunicationbyacollectionagencytothedebtororallegeddebtor,whichordinarymaybeseenbyanyotherperson,anddisplaysorconveysanyinformationabouttheallegedclaimotherthanthename,address,andphonenumberofthecollectionagency.SECTION8.Section44315,HawaiiRevisedStatus,isamendedtoreadasfollows:443A15Fraudulent,acceptive,ormisleadingrepresentations.Nocollectionagency,debtcollectorshalluseanyfraudulent,deceptive,ormisleadingrepresentationormeanstocollect,orattempttocollect,claimsortoobtaininformationconcerningadebtororallegeddebtor,includinganyconductwhichisdescribedasfollows:1.Theuseofanycompanynamewhileengagedinthecollectionofclaimsotherthanthetruenameofthecollectionagency;2.ThefailuretoclearlydiscloseIalwrittencommunicationmadetocollect,orattempttocollect,aclaimortoobtain,orattempttoobtain,informationaboutadebtororallegeddebtorthatthecollectionagencyisattemptingtocollectaclaimandthatanyinformationobtainedwillbeusedforthatpurpose;3.Anyfalserepresentationofthecollectionagencyhasinhispossessioninformationorsomethingofvalueforthedebtororallegeddebtorthatismadetosolicitordiscoverinformationaboutthedebtororallegeddebtor;4.Thefailuretoclearlydisclosethenameandfulladdressofthepersontowhomtheclaimhasbeenassignedforcollectionortowhomtheclaimisowedatthetimeofmakinganydemandformoney;5.Anyfalserepresentationorimplicationofthecharacter,extent,oramountofaclaimagainstadebtororallegeddebtor,orofitsstatusinanylegalproceeding; (". 6.Anyfalserepresentationorfalseimpressionthatanycollectionagencyisvouchedfor,bondedby,affiliatedwith,oraninstrumentality,agentorofficialof,thisStateoranyagencyoffederalsate,orlocalgovernment;7.Theuseordistributionorsaleofanywrittencommunicationwhichsimulatesorisfalselyrepresentedobeadocumentauthorized,issued,orapprovedbyacourt,orofficial,oranyotherlegallyconstitutedorauthorizedauthority,orwhichcreatesafalseimpressionaboutitssource,authorization,orapproval;8.Anyrepresentationthatanexistingobligationofthedebtororallegeddebtormaybeincreasedbytheadditionofattorneysfees,investigationfees,servicefees,andanyotherfeesorchargeswheninfactsuchfeesorchargesmaynotlegallybeaddedtotheexistingobligations;or9.Anyfalserepresentationorfalseimpressionaboutthestatusortruenatureof,ortheservicerenderedby,thecollectionagencyoritsbusiness.SECTION9.Section443A16,HawaiiRevisedstatus,isamendedtoreadasfollows:443A15Fraudulent,deceptive,ormisleadingrepresentation,Nocollectionagency,debtcollectorshalluseanyfraudulent,deceptive,ormisleadingrepresentationormeanstocollect,orattempttocollect,claimsortoobtaininformationconcerningadebtororallegeddebtor,includinganyconductwhichisdescribedasfollows:1.Theuseofanycompanynamewhileengagedinthecollectionsofclaimsotherthantruenameofthecollectionagency;2.Thefailuretoclarifydisclosureinallwrittencommunicationmadetocollect,orattempttocollect,aclaimortoobtain,orattempttoobtain,informationaboutadebtororallegeddebtorthatthecollectionagencyisattemptingtocollectaclaimandthatanyinformationobtainedwillbeusedforthatpurpose;3.Anyfalserepresentationthatthecollectionagencyhasinhispossessioninformationorsomethingofvalueforthedebtororallegeddebtorthatistosolicitordiscoverinformationaboutthedebtororallegeddebtor;4.Thefailuretoclearlydisclosethenameandfullbusinessaddressofthepersontowhomtheclaimhasbeenassignedforcollectionortowhomtheclaimisowedatthetimeofmakinganydemandformoney;5.Anyfalserepresentationorimplicationofthecharacter,extent,oramountofaclaimagainstadebtororallegeddebtor,orofitsstatusinanylegalproceeding;6.Anyfalserepresentationorfalseimpressionthatancollectionagencyisvouchedfor,bondedby,affiliatedwith,orninstrumentality,agent,orofficialof,thisStateoranyagencyoffederal,state,orlocalgovernment;7.Theuseordistributionorsaleofanywrittencommunicationwhichsimulatesorfalselyrepresentedtobeadocumentauthorized,issued,orapprovedbyacourt,anofficial,oranyotherlegallyconstitutedorauthorizedauthority,orwhichcreatesafalseimpressionaboutitssource,authorization,orapproval;8.Anyrepresentationthatanexistingobligationofthedebtororallegeddebtormaybeincreasedbytheadditionofattorneyssfees,investigationfees,servicefees,andanyotherfeesorchargeswheninfactsuchfeesorchargesmaynotlegallybeaddedtoexistingobligations;or9.Anyfalserepresentationorfalseimpressionaboutthestatusortruenatureof,ortheservicesrenderedby,thecollectionagencyoritsbusiness. )@#/ ЇSECTION9.Section443a16,HawaiiRevisedStatus,isamendedtoreadasfollows:443A16Unfairorunconscionablemeans.Nocollectionagency,ordebtcollectorshalluseunfairorunconscionablemeanstocollectorattempttocollectanyclaiminanyofthefollowingways:1.Theseekingorobtainingofanywrittenstatementoracknowledgmentinanyformthatthedebtororallegeddebtorsobligationisoneincurredfornecessitiesoflifewheretheoriginalobligationwasnotinfactincurredforsuchnecessities;2.Theseekingorobtainingofanywrittenstatementoracknowledgmentinanyformcontaininganaffirmationofanobligationbyadebtororallegeddebtorwhohasbeendeclaredbankrupt,withoutclearlydisclosingthenatureandconsequencesoftheaffirmationandthefactthatthedebtororallegeddebtorisnotlegallyobligatedtomaketheaffirmation;3.Thecollectionoforattempttocollectfromadebtororallegeddebtoralloranypartofthecollectionagencysfeesorchargesforservicesrendered;4.Thecollectionoforattempttocollectaninterestorotherchargefee,orexpenseincidentaltotheprincipalobligationunlesstheinterestorincidentalfee,charge,orexpenseisexpresslyauthorizedbytheagreementcreatingtheobligationandlegallychargeabletothedebtorallegeddebtor;orunlesssuchinterestorincidentalfee,charge,orexpenseisexpresslyauthorizedbylaw;and5.Anycommunicationwithadebtororallegeddebtorwheneveritappearsthatthisrepresentedbyanattorneyandtheattorneysnameandaddressareknown.SECTION10.Section443A1,HawaiiRevisedStatus,isamendedtoreadasfollows:443A17Unfaircompetion,unfairordeceptiveactsorpractices.Aviolationofthischapterbyacollectionagency,debtcollectorshallconstituteunfairmethodsofcompletionandunfairordeceptiveactsorpracticesintheconductofanytradeorcommerceforthepurposeofsection4802.̀SECTION11.IfanyprovisionofthisAct,ortheapplicationthereoftoanypersonorcircumstanceisheldinvalid,theinvaliditydoesnotaffectotherprovisionsorapplicationsoftheActwhichcanbegivenwithouttheinvalidprovisionorapplication,andtothistheprovisionofthisActareseverable.SECTION12.ThisActdoesnotaffectrightsanddutiesthatmatured,penaltiesthatwereincurred,andproceedingsthatwerebegun,beforeitseffectivedate.SECTION13.Statutorymaterialtoberepealedisbracketed.Newstatutorymaterialisunderscored.SECTION14.ThisActshalltakeeffectuponitsapproval. (". ЇX P X mD  X PCHAPTERII#X P   mD"##X X P!# d  X RP  SUBCHAPTERVDEBTCOLLECTION @ PRACTICES P   RP  P~1692Congressionalfindingsanddeclarationofpurpose 4  Ѐ(a)Thereisabundantevidenceoftheuseofabusive,deceptive,andunfairdebtcollectionpracticesbymanydebtcollectors.Abusivedebtcollectionpracticescontributetothenumberofpersonalbankruptcies,tomaritalinstability,tolossofjobs,andtoinvasionofindividualprivacy.(b)Existinglawsandproceduresforredressingtheseinjuriesareinadequatetoprotectconsumers.meansotherthanmisrepresentationorotherabusivedebtcollectionpracticesareavailablefortheeffectivecollectionofdebts.(d)Abusivedebtcollectionpracticesarecarriedontoasubstantialextentininterstatecommerceandthroughmeansandinstrumentalitiesofsuchcommerce.Evenwhereabusivedebtcollectionpracticesarepurelyinterstateincharacter,theyneverthelessdirectlyaffectinterstatecommerce.(e)Itisthepurposeofthissubchaptertoeliminateabusivedebtcollectionpracticesbydebtcollectors,toinsurethatthosedebtcollectorswhorefrainfromusingabusivedebtcollectionpracticesarenotcompetitivelydisadvantaged,andtopromoteconsistentSateactiontoprotectconsumersagainstdebtcollectionabuses.(Pub.L90321,titleVIII~802,asaddedPub.L95109,Sep.20,1977,91Stat.874.)~1692a.DefinitionsAsusedinthissubchapter1.Theterm CommissionmeanstheFederalTradeCommission.2.Theterm communicationmeanstheconveyingofinformationregardingadebtdirectlyorindirectlytoanypersonthroughanymedium.3.Theterm consumermeansanynaturalpersonobligatedorallegedlyobligatedtopayanydebt.4.Thetermcreditormeansanypersonwhooffersorextendscreditcreatingadebtortowhomadebtisowed,butsuchtermdoesnotincludeanypersontotheextentthathereceivesanassignmentortransferofadebtindefaultsolelyforthepurposeoffacilitatingcollectionofsuchdebtforanother.5.Theterm debtmeansobligationorallegedobligationofaconsumertopaymoneyarisingoutofatransactioninwhichthemoney,property,insurance,orserviceswhicharethesubjectofthetransactionareprimarilyforpersonal,family,orhouseholdpurposes,whetherornotsuchobligationhasbeenreducedtojudgement.6.Theterm debtcollectormeansanypersonwhousesanyinstrumentalityofinterstatecommerceorthemailsinanybusinesstheprincipalpurposeofwhichisthecollectionofanydebts,orwhoregularlycollectsorattemptstocollect,directlyorindirectly,debtsowedordueorassertedtobeowedbyanother.Notwithstandingtheexclusionprovidedbyclause(G)ofthelastsentenceofthisparagraph,thetermincludesanycreditorwho,intheprocessofcollectinghisowndebts,usesanynameotherthanhisownwhichwouldindicatethatathirdpersoniscollectingorattemptingtocollectsuchdebts.Forthepurposeofsection1692f(6)ofthistitle,suchtermalsoincludesanypersonwhousesany )#- instrumentalityofinterstatecommerceorthemailsinanybusinesstheprincipalpurposeofwhichistheenforcementofsecurityinterests.Thetermdoesnotinclude(A)anyofficeroremployeeofacreditorwhile,inthenameofthecreditor,collectingdebtsforsuchcreditor;(B)anypersonwhileactingasadebtcollectorforanotherperson,bothofwhomarerelatedbycommonownershiporaffiliatedbycorporatecontrol,ifthepersonactingasadebtcollectordoessoonlyforpersonstowhomitissorelatedoraffiliatedandiftheprincipalbusinessofsuchpersonisnotthecollectionfdebts;(C)anyofficeroremployeeoftheunitedStatesoranyStatetotheextentthatcollectingorattemptingtocollectanydebtisintheperformanceofhisofficialduties;(D)anypersonwhileservingorattemptingtoservelegalprocessonanyotherpersoninconnectionwiththejudicialenforcementofanydebt;(E)anynonprofitorganizationwhich,attherequestofconsumers,performsbonafideconsumercreditcounselingandassistsconsumersintheliquidationoftheirdebtsbyreceivingpaymentsfromsuchconsumersanddistributingsuchamountstocreditor;(F)anyattorneyatlawcollectingadebtasanattorneyonbehalfofandinthenameofaclient;and(G)anypersoncollectingorattemptingtocollectanydebtowedordueorassertedtobeowedordueanothertotheextentsuchactivity(I)isincidentaltoabonafidefiduciaryobligationorabonafideescrowarrangement;(ii)concernsadebtwhichwasoriginatedbysuchperson;(iii)concernsadebtwhichwasnotindefaultatthetimeitwasobtainedbysuchperson;or(iv)concernsadebtobtainedbysuchpersonasasecuredpartyincommercialcredittransactioninvolvingthecreditor.7.Theterm locationinformationmeansaconsumersplaceofabodeandhistelephonenumberatsuchaplace,orhisplaceofemployment8.Theterm StatemeansanyState,territory,orpossessionoftheUnitedStates,theDistrictofColumbia,theCommonwealthofPuertoRico,oranypoliticalsubdivisionofanyoftheforegoing.(Pub.L90321,TitleVIII~803,asaddedPub>L95109,Sep.20,1977,91Stat.875.)~1692b.AcquisitionoflocationinformationAnydebtcollectorcommunicatingwithanypersonotherthantheconsumerforthepurposefacquiringlocationinformationabouttheconsumershall1.identifyhimself,statethatheisconfirmingorcorrectinglocationinformationconcerningtheconsumer,and,onlyifexpresslyrequested,identifyhisemployer;2.notstatethatsuchconsumerowesadebt;3.notcommunicatewithanysuchpersonmorethanonceunlessrequestedtdosobysuchpersonorunlessthedebtcollectorreasonablybelievesthattheearlierresponseofsuchpersoniserroneousorincompleteandthatsuchpersonnowhascorrectorcompletelocationinformation;4.notcommunicatebypostcard;5.notuseanylanguageorsymbolonanyenvelopeorinthecontentsofanycommunicationeffectedbythemailsortelegramthatindicatesthatthedebtcollectorisinthedebtcollectionbusinessorthatthecommunicationrelatestothecollectionofadebt; and $(!- 6.afterthedebtcollectorknowstheconsumerisrepresentedbyanattorneywithregardto thesubjectdebtandhasknowledgeof,orcanreadilyascertain,suchattorneysnameandaddress,notcommunicatewithanypersonotherthanthatattorney,unlesstheattorneyfailstorespondwithinareasonableperiodoftimetocommunicatefromthedebtcollector.(Pub.l90321,TitleVIII,~804,asaddedPub.L95109,Sep.20,1977,91Stat.86)~1692c.Communicationinconnectionwithdebtcollection(a)CommunicationwiththeconsumergenerallyWithoutthepriorconsentoftheconsumergivendirectlytothedebtcollectorortheexpresspermissionofacourtofcompetentjurisdiction,adebtcollectormaynotcommunicatewithaconsumerinconnectionwiththecollectionofanydebt1.atanyunusualtimeorplaceknownorwhichshouldbeknowninconventtotheconsumer.Intheabsenceofknowledgeofcircumstancestothecontrary,adebtcollectorshallassumethattheconvienttimeforcommunicatingwiththeconsumerisafter8oclockantimeridianandbefore9oclockpostmeridian,localtimeattheconsumerslocation;2.ifthedebtcollectorknowstheconsumerisrepresentedbyanattorneywithrespecttosuchdebtandhasknowledgeof,orcanreadilyascertainsuchattorneysnameandaddress,unlesstheattorneyfailstorespondwithinareasonableperiodoftimetoacommunicationfromthedebtcollectororunlesstheattorneyconsentstodirectcommunicationwiththeconsumer;or3.attheconsumersplaceofemploymentifthedebtcollectorknowsorhasreasontoknowthattheconsumersemployerprohibitstheconsumerfromreceivingsuchcommunication.(b)CommunicationwiththirdpartiesExceptasprovidedinsection1692bofthistitle,withoutthepriorconsentoftheconsumergivendirectlytothedebtcollector,ortheexpresspermissionofacourtofcompetentjurisdiction,orasreasonablynecessarytoeffectuateapostjudgementjudicialremedy,adebtcollectormaynotcommunicate,inconnectionwiththecollectionofanydebt,withanypersonotherthantheconsumerorhisattorney,aconsumerreportingagencyifotherwisepermittedbylaw,thecreditor,theattorneyofthecreditor,ortheattorneysofthedebtcollector.(c)CeasingcommunicationsIfaconsumernotifiesadebtcollectorinwritingthattheconsumerrefusestopayadebtorthattheconsumerwishesthedebtcollectortoceasefurthercommunicationwiththeconsumer,thedebtcollectorshallnotcommunicatefurtherwiththeconsumerwithrespecttosuchdebt,except1.toadvisetheconsumerthatthedebtcollectorsfurthereffortsarebeingterminated;2.tonotifytheconsumerthatthedebtcollectororcreditormayinvokespecifiedremedieswhichareordinarilyinvokedbysuchdebtcollectororcreditor;or3.whereapplicable,tonotifytheconsumerthatthedebtcollectororcreditorintendstoinvokespecifiedremedy.Ifsuchnoticefromtheconsumerismadebymail,notificationshallbecompleteuponreceipt.(d)DefinitionsForthepurposeofthissection,theterm consumerincludestheconsumersspouse,parent(iftheconsumerisaminor),guardian,executor,oradministrator.(Pub.L90321,TitleVIII~805,asaddedPub.L95109,Sep.20,1977,91Stat.876) )@#/ ~1692d.HarassmentorabuseAdebtcollectormaynotengageinanyconductthenaturalconsequenceofwhichistoharass,oppress,orabuseanypersoninconnectionwiththecollectionofadebt.Withoutlimitingthegeneralapplicationoftheforegoingthefollowingconductsaviolationofthissection:1.Theuseorthreatofuseofviolenceorothercriminalmeanstoharmthephysicalperson,reputation,orpropertyofanyperson.2.Theuseofobsceneorprofanelanguagethenaturalconsequencesofwhichistoabusethehearerorreader.3.Thepublicationofalistofconsumerswhoallegedlyrefusetopaydebts,excepttoconsumerreportingagencyortopersonsmeetingtherequirementsofsection1681a(f)or1681b(3)ofthistitle.4.Theadvertisingforsaleofanydebttocoercepaymentofthedebt.5.Causingatelephonetoringorengaginganypersonintelephoneconversationrepeatedlyorcontinuallywithintenttoannoy,abuse,orharassanypersonatthecallednumber.6.Exceptasprovidedinsection1692bofthistitle,theplacementoftelephonecallswithoutmeaningfuldisclosureofthecallersidentity.(Pub.L90321,TitleVIII,!806,asaddedPub.L95109,Sept.20,1977,91Stat.877)~1692e.FalseormisleadingrepresentationAdebtcollectormaynotuseanyfalse,deceptive,ormisleadingrepresentationormeansinconnectionwiththecollectionofanydebt.Withoutlimitingthegeneralapplicationoftheforegoing,thefollowingconductisaviolationofthissection:1.Thefalserepresentationorimplicationthatthedebtcollectorisvouchedorbondedby,oraffiliatedwiththeUnitedStatesoranyState,includingtheuseofanybadge,uniform,orfacsimilethereof.2.Thefalserepresentationof(A)thecharacter,amount,orlegalstatusofanydebt;or(B)anyservicesrenderedorcompensationwhichmaybelawfullyreceivedbyanydebtcollectorforthecollectionofadebt.3.Thefalserepresentationorimplicationthatanyindividualisanattorneysorthatanycommunicationisfromanattorney.4.Therepresentationorimplicationthatnonpaymentofanydebtwillresultinthearrestorimprisonmentofanypersonortheseizure,garnishment,attachment,orsaleofanypropertyorwagesofanypersonunlesssuchactionislawfulandthedebtcollectororcreditorintendstotakesuchaction.5.Thetreattotakeanyactionthatcannotlegallybetakenorthatisnotintendedtobetaken.6.Falserepresentationorimplicationthatasale,referral,orothertransferofanyinterestinadebtshallcausetheconsumerto(A)loseanyclaimordefensepaymentofthedebt;or (B)becomesubjecttoanypracticeprohibitedbythissubchapter. $(!- 7.Thefalserepresentationorimplicationthattheconsumercommittedanycrimeorother conductinordertodisgracetheconsumer.8.Communicatingorthreateningtocommunicatetoanypersoncreditinformationwhichisknownorwhichshouldbeknowntobefalse,includingthefailuretocommunicatethatadisputeddebtisdisputed.9.Theuseordistributionofanywrittencommunicationwhichsimulatesorisfalselyrepresentedtobeadocumentauthorizes,issued,orapprovedbyanycourt,official,oragencyoftheUnitedStatesoranyState,orwhichcreatesafalseimpressionastoitssource,authorization,orapproval.10.Theuseofanyfalserepresentationordeceptivemeanstocollectorattempttocollectanydebtortoobtaininformationconcerningaconsumer.11.Exceptasotherwiseprovidedundersection1692bofthistitle,tofailuretodiscloseclearlyinallcommunicationsmadetocollectadebtortoobtaininformationaboutconsumer,thatthedebtcollectorisattemptingtocollectonadebtthatanyinformationobtainedwillbeusedforthatpurpose.12.Thefalserepresentationorimplicationthataccountshavebeenturnedovertoinnocentpurchasersforvalue.13.Thefalserepresentationorimplicationthatdocumentsarelegalprocess.14.Theuseofanybusiness,company,ororganizationnameotherthanthetruenameofthedebtcollectorsbusiness,company,ororganization.15.Thefalserepresentationorimplicationthatdocumentsarenotlegalprocessformsordonotrequireactionbytheconsumer.16.Thefalserepresentationorimplicationthatadebtcollectoroperatesorisemployedbyaconsumerreportingagencyasdefinedbysection1681a(f)ofthistitle.(Pub.L.90321,TitleVIII~807,asaddedPub.L.95109,Sep.20,197791Stat.877.)~1692f.UnfairpracticesAdebtcollectormaynotuseunfairorunconscionablemeanstocollectorattempttocollectadebt.Withoutlimitingthegeneralapplicationoftheforegoing,thefollowingconductisaviolationofthissection:1.Thecollectionofanyamount(includinganyinterest,fee,charge,orexpenseincidentaltotheprincipalobligation)unlesssuchamountisexpresslyauthorizedbytheagreementcreatingthedebtpermittedbylaw.2.Theacceptancebydebtcollectorfromanpersonofacheckorotherpaymentinstrumentpostdatedbymorethanfivedaysunlesssuchpersonisnotifiedinwritingofthedebtcollectorsintenttodepositsuchcheckorinstrumentnotmorethantennorlessthanthreebusinessdayspriortosuchdeposit.3.Thesolicitationbyadebtcollectorofanypostdatedcheckorotherpostdatedpaymentinstrumentforthepurposeofthreateningorinstitutingcriminalprosecution.4.Depositingorthreateningtodepositanypostdatedcheckorotherpostdatedpaymentinstrumentpriortothedateonsuchcheckorinstrument.5.Causingchargesobemadetoanypersonforcommunicationsbyconcealmentofthetruepurposeofthecommunication.Suchchargesinclude,butarenotlimitedto,telephonecallsandtelephonefees.6.Takingorthreateningtotakeanynonjudicialactiontoeffectdispossessionordisablementofpropertyif )@#/ A.thereisnopresentrighttopossessionofthepropertyclaimedascollateralthroughanenforceablesecurityinterest;B.thereisnopresentintentiontotakepossessionoftheproperty;orC.thepropertyisexemptbylawfromsuchdispossessionordisablement.7.Communicatingwithaconsumerregardingadebtbypostcard.8.Usinganylanguageorsymbol,otherthanthedebtcollectorsaddress,onanyenvelopewhencommunicatingwithaconsumerbyuseofthemailsorbytelegram,exceptthatadebtcollectormayusehisbusinessnameifsuchnamedoesnotindicatethatheisinthedebtcollectionbusiness.(Pub.L90321,TitleVIII!808,asaddedPub.L95109,Sep.20,1977,91)Stat.879.)~1692g.ValidationofDebts̀Noticeofdebt;contentsa.Withinfivedaysaftertheinitialcommunicationwithaconsumerinconnectionwiththecollectionofanydebt,adebtcollectorshall,unlessthefollowinginformationiscontainedintheinitialcommunicationortheconsumerhaspaidthedebt,sendtheconsumerawrittennoticecontaining1.theamountofthedebt;2.thenamefthecreditortowhothedebtisowed;3.astatementthatunlesstheconsumer,withinthirtydaysafterreceiptofthenotice,disputesthevalidityofthedebt,oranyportionthereof,thedebtwillbeassumedtobevalidbythedebtcollector;4.astatementthatiftheconsumernotifiesthedebtcollectorinwritingwithinthethirtydayperiodthatthedebt,oranyportionthereof,isdisputed,thedebtcollectorwillobtainverificationofthedebtoracopyofajudgementagainsttheconsumerandacopyofsuchverificationorjudgement,willbemailedtotheconsumerbythedebtcollector;and5.astatementthat,upontheconsumerswrittenrequestwithinthethirtydayperiodthedebtcollectorwillprovidetheconsumerwiththenameandaddressoftheoriginalcreditor,ifdifferentfromthecurrentcreditor.̀Disputeddebtsb.Iftheconsumernotifiesthedebtcollectorinwritingwithinthethirtydayperioddescribedinsubsection(a)ofthissectionthatthedebt,oranyportionthereof,isdisputed,orthattheconsumerrequeststhenameandaddressoftheoriginalcreditor,thedebt,collectorshallceasecollectionofdebt,oranyportionthereof,untilthedebtcollectorobtainsverificationofthedebtoracopyofjudgement,orthenameandaddressoftheoriginalcreditor,andacopyofsuchverificationorjudgement,ornameandaddressoftheoriginalcreditor,ismailedtotheconsumerbythedebtcollector.̀Admissionofliabilityc.thefailureofaconsumertodisputethevalidityofadebtunderthissectionmaynotbeconstruedbyanycourtasanadmissionofliabilitybytheconsumer.(Pub.L90321,TitleVIII,~809,asaddedPub.L95109,Sept.20,1977,91Stat.879.) (". Ї~1692h.MultipledebtsIfanyconsumerowesmultipledebtsandmakesanysinglepaymenttoanydebtcollectorwithrespecttosuchdebts,suchdebtcollectormaynotapplysuchpaymenttoanydebtwhichisdisputedbytheconsumerand,whereapplicable,shallapplysuchpaymentinaccordancewiththeconsumersdirections.(Pub.L.90321,TitleVIII,~810,asaddedPub.L.95109,Sep.20,1977,91Stat.880.)~1692i.Legalactionsbydebtcollectorsa.anydebtcollectorwhobringsanylegalactiononadebtagainstanyconsumershall1.inthecaseofanactiontoenforceaninterestinrealpropertysecuringtheconsumersobligation,bringsuchactiononlyinaJudicialdistrictorsimilarlegalentityinwhichsuchrealpropertyislocated;or2.inthecaseofanactionnotdescribedinparagraph(1),bringsuchactiononlyintheJudaicaldistrictorsimilarlegalentityA.inwhichsuchconsumersignedthecontractsuedupon;orB.inwhichsuchconsumerresidesatthecommencementoftheaction.b.Nothinginthissubchaptershallbeconstructedtoauthorizethebringinglegalactionsbythedebtcollector.(Pub.L90321,TitleVIII~811,asaddedPub.L.95109,Sep.20,1977,91Stat.880.)~1692j.Furnishingcertaindeceptiveformsa.Itisunlawfultodesign,compile,andfurnishanyformknowingthatsuchformwouldbeusedtocreatethefalsebeliefinaconsumerthatapersonotherthanthecreditorofsuchconsumerisparticipatinginthecollectionoforinanattempttocollectadebtsuchconsumerallegedlyowessuchcreditor,wheninfactsuchisnotsoparticipating.b.anypersonwhoviolatesthissectionshallbeliabletothesameextentandinthesamemannerasadebtcollectorisliableundersection1692kofthistitleforfailuretocomplywithaprovisionofthissubchapter.~1692k.CivilliabilitỳAmountofdamagesa.Exceptasotherwiseprovidedbythissection,anydebtcollectorwhofailstocomplywithanyprovisionofthissubchapterwithrespecttanypersonisliabletosuchpersoninanamountequaltothesumof1.anyactualdamagesustainedbysuchpersonasaresultofsuchfailure;2.(A)inthecaseofanyactionbytheindividual,suchadditionaldamagesasthecourtmayallow,butnotexceeding$1,000;or̀(B)inthecaseofaclassaction(I)suchamountforeachnamedplaintiffascouldberecoveredundersubparagraph(A),and(ii)suchamountasthecourtmayallowforallotherclassmembers,withoutregardtominimumindividualrecovery,nottoexceedthelesserf$500,000oripercentumofthenetworthofthedebtcollector;and3.inthecaseofansuccessfulactiontoenforcetheforegoingliability,thecostsoftheaction,togetherwithareasonableattorneysfeeasdeterminedbythecourt.Onafindingbythecourtthatanactionunderthissectionwasbroughtinbadfaithandforthepurpose )@#/ ofharassment,thecourtmayawardtothedefendantattorneysfeesreasonableinrelationtotheworkexpendedandcosts.̀Factorsconsideredbycourtb.Indeterminingtheamountofliabilityinanyactionundersubsectiona.Ofthissection,thecourt,shallconsider,amongotherrelevantfactors1.Ianyindividualactionundersubsection(a)(2)(A)ofthissection,thefrequencyandpersistenceofnoncomplianceofthedebtcollector,thenatureofsuchnoncompliancewasintentional;or2.inanyclassactionundersubsection(a)(2)(B)ofthissection,thefrequencyandpersistenceofnoncompliancebythedebtcollector,thenatureofsuchnoncompliance,theresourcesofthedebtcollector,thenumberofpersonsadverselyaffected,andtheextenttowhichthedebtcollectorsnoncompliancewasintentional.Intentc.Adebtcollectormaynotbeheldliableinanyactionbroughtunderthissubchapterifthedebtcollectorshowsbypreponderanceofevidencethattheviolationwasnotintentionalandresultedfromabonafideerrornotwithstandingthemaintenanceofproceduresreasonablyadaptedtoavoidanysucherror.̀Jurisdictiond.AnactiontoenforceanyliabilitycreatedbythissubchaptermaybebroughtinanyappropriateUnitedStatesdistrictcourtwithoutregardtotheamountofthecontroversy,orinanyothercourtofcompetentjurisdiction,withoutoneyearfromthedateonwhichtheviolationoccurs.̀AdvisoryopinionsofCommissione.NoprovisionofthissectionimposinganyliabilityshallapplytoanyactdoneoromittedingoodfaithinconformitywithanyadvisoryopinionoftheCommission,notwithstandingthataftersuchactoromissionhasoccurred,suchopinionisamended,rescinded,ordeterminedbyjudicialorotherauthoritytobeinvalidforanyreason.(Pub.L.90321,TitleVIII~813,asaddedPub.L.95109,Sep.20,1977,91Stat.881)!1692l.Administrativeenforcement̀FederalTradecommissiona.CompliancewiththissubchaptershallbeenforcedbytheCommission,excepttotheextentthatenforcementoftherequirementsimposedunderthissubchapterisspeciallycommittedtoanotheragencyundersubchapter(b)ofthissection.ForpurposeoftheexercisebytheCommissionofitsfunctionsandpowersundertheFederaltradeCommissionAct,aviolationofthissubchaptershallbedeemedanunfairordeceptiveactorpracticeinviolationofthisAct.AllofthefunctionsandpowersoftheCommissionunder (". theFederaltradeCommissionActareavailabletotheCommissiontoenforcecompliancebyanypersonwiththissubchapter,irrespectiveofwhetherthatpersonisengagedincommerceormeetsanyotherjurisdictiontestsintheFederalTradeCommissionAct,includingthepowertoenforcetheprovisionsofthissubchapterinthesamemannerasiftheviolationofaFederalTradeCommissiontraderegulationrule.̀Applicableprovisionsoflawb.Compliancewithanyrequirementsimposedunderthissubchaptershallbeenforcedunder̀1.section8ofFederalDepositInsuranceAct,inthecaseofA.nationalbanks,bytheComptrolleroftheCurrency;B.memberbanksoftheFederalReserveSystem(otherthannationalbanks),bytheFederalReserveBoard;andc.banksthedepositsoraccountsofwhichareinsuredbytheFederalInsuranceCorporation(otherthaninsuredbytheFederalDepositInsuranceCorporation(otherthanmembersoftheFederalReserveSystem),bytheBoardofDirectorsoftheFederalDepositInsuranceCorporation;2.section5(d)oftheHomeOwnersLoanActof1933,section407oftheNationalHousingAct,bytheFederalHomeLoanBankBoard(actingdirectlyorthroughtheFederalSavingsandLoanInsuranceCorporation),inthecaseofanyinstitutionsubjecttoanyofthoseprovisions;3.theFederalCreditUnionAct,bytheAdministratoroftheNationalCreditUnionAdministrationwithrespecttoanyFederalcreditunion;4.theActstoregulatecommerce,bytheInterstateCommerceCommissionwithrespecttoanycommoncarriersubjecttothoseActs;5.theFederalAviationActof1958,bytheCivilAeronauticsBoardwithrespecttoanyaircarrieroranyforeignaircarriersubjecttothatAct;and6.thePackersandStockyardsAct,1921(exceptasprovidedinsection406ofthatAct),bytheSecretaryofAgriculturewithrespecttoanyactivitiessubjecttothatAct.̀Agencypowersc.Forthepurposeoftheexercisebyanyagencyreferredtoinsubsection(b)ofthissectionofitspowersunderanyActreferredtointhatsubsection,aviolationofanyrequirementimposedundersubchaptershallbedeemedtobeaviolationofarequirementimposedunderthatAct.Inadditiontoitspowersunderanyprovisionoflawspecificallyreferredtoinsubsection(b)ofthissection,eachoftheagenciesreferredtointhatsubsection(b)ofthissection,eachoftheagenciesreferredtointhatsubsectionmayexercise,forthepurposeofenforcingcompliancewithanyrequirementimposedunderthissubchapteranyotherauthorityconferredoitbylaw,exceptasprovidedIsubsection(d)ofthissection. )@#/ ЀRulesandregulationsd.NeithertheCommissionnoranyotheragencyreferredtoinsubsection(b)ofthissectionmaypromulgatetraderegulationrulesorotherregulationswithrespecttothecollectionofdebtsbydebtcollectorsasdefinedinthissubchapter.(Pub.L.90321,TitleVIII,~814asaddedPub.L95109,Sep20,1977,91Stat.881.)~1692m.ReportstoCongressbytheCommissiona.Notlaterthanoneyearaftertheeffectivedateofthissubchapterandatoneyearintervalsthereafter,theCommissionshallmakereportstotheCongressconcerningtheadministrationofitsfunctionsunderthissubchapter,includingsuchrecommendationsastheCommissiondeemsnecessaryorappropriate.Inaddition,eachreportoftheCommissionshallincludeitsassessmentoftheextenttowhichcompliancewiththissubchapterisbeingachievedandasummaryoftheenforcementactionstakenbytheCommissionundersection1692lofthistitle.B.Intheexerciseofitsfunctionsunderthissubchapter,theCommissionmayobtainuponrequesttheviewsofanyotherFederalagencywhichexercisesobtainuponrequesttheviewsofanyotherFederalagencywhichexercisesenforcementfunctionsundersection1692lofthistitle.(Pub.L.90321,TitleVIII,~815,asaddedPb.L.9510,Sep.20,1977,91Stat.882.)~1692n.RelationofStatelawsThissubchapterdoesnotannul,alter,oraffect,orexemptanypersonsubjecttotheprovisionofthissubchapterfromcomplyingwiththelawsofanyStatewithrespecttodebtcollectionpractices,excepttotheextentthatthoselawsareinconsistentwithprovisionofthissubchapter,andthenonlytotheextentoftheinconsistency.Forpurposesofthissection,aStatelawisnotinconsistentwiththissubchapteriftheprotectionsuchlawaffordsanyconsumerisgreaterthantheprotectionprovidedbythissubchapter.(Pub.L.90321,TitleVIII,~816,asaddedPub.L.95109,Sep.20,197,91Stat.883.)~1692o.ExemptionforStateregulationTheCommissionshallbyregulationexceptfromtherequirementsofthissubchapteranyclassofdebtcollectionpracticeswithinanyStateiftheCommissiondeterminesthatunderthelawofthatStatethatclassofdebtcollectionpracticesissubjecttorequirementssubstantiallysimilartothoseimposedbythissubchapter,andthatthereisadequateprovisionforenforcement.(Pub.L.90321,TitleVIII,~817,asaddedPub.L.95109,Sep.20,1977,91Stat.883.) P   v   P '!+ Ї# P   v9# mD   PCHAPTERIII# P   mD#  d XX  PXX:ALLINFORMATIONPROVIDEDHEREPERTAINSTOHAWAII,CHECKYOURSTATE p LAWSANDLEGALFORMSBEFOREUSINGTHEONESPROVIDEDHERE.THISBOOKISMEANTASAGUIDELINEANDALLPROCEDURESANDFORMSARESUGGESTIONSONLY,ANDCHANGESMUSTBEMADEDEPENDINGUPONTHESPECIFICCIRCUMSTANCESOFYOURCASE.#:8##XX#X$XXX$XXYOURWAGESCANNOTBEGARNISHEDINFLORIDATHEEASTCOASTAND   TEXAS#י#Ԁ#XX# D  ;X@XXXSMALLCLAIMSCOURT#XXX;X@ʚ#:   XXXXXXInHawaiiyoucanfileyourcaseinSmallClaimsCourtprovidedthatdamagesdonot p  exceed$3500.00.Yourepresentyourselfinyourcase.Thisisaninformalformatsincethepublicisrepresentingthemselvesandnotmeantforattorneyswhoaremorefamiliarwiththelawsandrulesofcourt.Inmoststates,attorneycannotrepresentclientsinsmallclaimscourtcases.Buttherearesomeexceptionssocheckwithyourstatessmallclaimscourtoffice.AlsocallyourlocalSmallClaimsCourtofficeandgetasmuchinformationregardingyourintendedsuitaspossiblebeforeyoufilesuit. X XIfsuitisbroughtagainstyou,youwillbeeitherservedbyasherifforregisteredmail.Ifyouarethepersonbringingsuityouwillhavetopay,courtcosts,andafeetothesheriffforservice.ServiceMUSTBEMADEATLEAST48HOURSBEFOREYOURCASECOMESTOTRIAL.Checkyourareaformoreinformation.Onceyouhavebeenservedlookatthedocumentyouwereservedwithtoseewhenandwhereyoumustappearincourt.Thereisascheduleonthebackofthedocumentwithdatesandtimesdependingwhenyourserviceoccurred.Onceyouareincourtyouwillhavetostatehowyouplead.Youeitheradmittotheallegationsorentera generaldenial.Ifyoufeelyouarenotresponsibleforthebillandwishthecourttoscheduleafullhearing,youmusttellthejudgeatthistime.In )p#- Hawaiiwehavearbitration,whichoccursbeforethecaseisheard.Ifanagreementcannotbereachedthrougharbitrationahearingbeforethejudgewillbescheduled.Ifthecourthastimeyourcasewillbeheardthatday,sobeprepared,thisissoformostsmallclaimscourtcases.Youshouldgatheralldocumentationprovingyourcase.Writedownallthefacts,haveallyourbackupswithyouandrehearsewhatyouwishtosayinfrontofthejudgesoyourpresentationisfluid.Thiswayyoudontwasteyourtimeandthecourtstime.Makecopiesofallyourrecordsforthejudge,theplaintiffandhaveasetforyourselfthatyoucanrefertowhilemakingyourpresentation.<IHAVENOTICEDTHATSOMEOFTHEJUDGESARENOTPARTICULARLYADEPT   ATLISTENINGTOYOUWHILEYOUPRESENTYOURCASESOBYHAVINGEVERYTHINGINWRITINGHECANREADYOURCASE,LOOKATYOURBACKUPSANDFOLLOWYOURCASEMORECLOSELY.#<# d Presentyourcaseprofessionally,quicklyandtothepointlongwindedargumentsthatgonowherewilllosethecaseforyou.Thejudgewillgetboard,stoplisteningandbythetimeyoufinallygettoyourpointhellbethinkingofsomethingtotallyunrelatedandmissyourpoint.Judgestendtolistenmorecloselyratinguponappearanceandknowledgeofthefacts.Dazzlehimwiththeknowledgeofthelawyouaretryingtoprove,winyourcasewithfacts.Haveallyoursupportingdocumentsavailableatthistime.Icantstressthisenoughifyoucantproveyourcasewithdocumentationoraconvincingargumentyouwillloseyourcase.  d'!, Afterbothsideshavepresentedtheircasethejudgewillrenderadecision,thatisfinal. Youcannotappealthejudgesdecision.Ifyoulose,ajudgmentwillberenderedagainstyouunlessyoumakeimmediateonthespotrestitution.Ihaveseeninoneofmycaseswherethejudgewithheldjudgementforthreedaysgivingthelosingpartyachancetopaymewithoutissuingajudgement.HedidthisbecausethepersonIsuedwasaprofessionalandhedidnotwantthejudgementreflectedonhiscreditreport.Hewasgivenachancetopaymedirectlybythe3daysthecourtspecified.InthiscaseIhadtoreturntocourtonthedatepaymentwasdue,ifnopaymentwasmadebythisday,ajudgementwouldhavebeenrendered.Ifthisisthecasebesureyouareincourtthedatethejudgespecified,ifyoudonotappearyourcasewillbedismissedandyouwillhavetostartthewholeprocessalloveragainfromthebeginning.Thisisnotthenorm.InalmostallthecasesIhaveseenthecourtrendersajudgement.Ifyouexpecttogetpaidonthespotonceyouwinjudgementforgetit.Unlessyouscheduleforafinancialdisclosureandanimmediatejudgementcanberenderedforgarnishment.WhichIamnotsureifitispossible.Otherwiseyouhavetoknowwherethepersonjudgmentwasrenderedagainstworks,disclosedthatheearnsmorethantheminimumwagespecifiedbylawuntouchable.(Seechartforfurtherinformation).Gobacktocourttogetagarnisheeorder.Sendittotheemployerandwaitforhimtoremovetheappropriatecourtorder.Keeptractofmonieswhenyoupayoutandwhenyoureceiveyoudonotwanttobeoverpaidorbeinapositionwhereyouhavetopaybackmonies.Thecourtsarenotcollectionagenciesandsotheywillnottellthedebtortopayyou.Nowyouhavetogarnisheethedebtor.Whichmeansanotherappearanceincourt.Ifajudgementwasenteredagainstyou,youwillhavetomakefull (". payment,onthespot,ifyoudonotwishtohaveajudgementreflectedonyourcreditrecord.Orifnoagreementforpaymentisreachedatthistimethewinningpartywillhavetofileagarnishmentorderagainstyouandthemonieswillbedeductedfromyourpay.̀Agarnishmentisadeductionfromyourpaytorepaywhatthecourtrendersasalegitimatedebt.Theamountdeductedfromyourpayissetforthbythecourtfromaschedulecalledthegarnisheeinformationsheet,thisformcanberequestedfromsmallclaimsbysendingthemaselfaddressedstampedenvelope.Thegarnisheeinformationsheetwillgiveyoutheguidelinessetforthbyyourstatethatitfeels,isthegarnishableincomeaccordingtothesalaryyouearn.Thegarnisheeinformationsheetshowsthepercentagethatwillbedeductedformyourcheckaccordingtoyourearnings.Becareful,theydontcarewhatyourbillsareorhowmuchisdeductedfortaxes.Garnishmentshallbemadefromyourpayuntilthejudgementagainstyouissatisfied.Ifyouarebeinggarnisheedverifytheamountdeductedfromyoursalaryandtheamountyouoweandmakesurewhenthegarnisheeorderissatisfiedthedeductionsstop.Sometimesmoremoneyisdeductedfromyoursalarythanyouoweanditisadifficultprocessforyoutogetthisoverpaymentback. X XOnlypeoplewithverylowincome,disabilityincome,welfareareexemptfromgarnishment.Thisdoesnotmeanincometaxpenaltiesandstudentloans.Youwillneverbefreeofthemuntilyoupayup.  d'!, Ifyouareunemployedatthetimethatajudgementisenteredagainstyou,thejudgement willremainonyourcreditrecordtenyearsoruntilyoupay.Thismeansifyoupayyourjudgement5yearsafterjudgementwasrendereditwillremainonyourcreditrecordforanothertenyearsfromthedateyoupay.Sotrytonegotiatewiththeoriginalcreditorwhenyouhavethefundsavailabletopaytohavethejudgementremovedfromyourcreditrecordbeforemakingyourpayment,whenyoustillhaveleveragewiththecreditor.Getthisinwriting.Thelendermaybesohappytofinallygetpaidthathewillremoveitfromyourcreditrecord.Rememberyouhavenegotiatingpoweratthistimebecauseyouhavethemoneythecreditorwants.Aslongasajudgementremainsonyourcreditfilewhenyouapplyforacreditcard,carloan,homeloanoranyfinancialtransaction,thisjudgementwillpopuponyourcreditreportandyoumayhavetosatisfyitbeforeyoucangetanyloans.Evenasatisfiedjudgementisablackmarkonyourcreditrecordandcanpreventyoufromgettingloans,creditcards,mortgages,etc.Ifyouquityourjobthegarnishmentwillstop.However,thecreditormaysubsequentlyreturntocourtandseekappealtogarnishyourwagesatyournewjob.Thatisifhecanfindyouoryournewemployer.Thismakesitdifficultforyoutohidefromyourcourtorderedobligations.Alsoifyouarefoundowingyouwillhavetopayallcourtcosts,servicechargestheotherpartymayincur.Ifthesheriffcomesoutmorethanoncetotrytoinstituteserviceyouwillbechargedforeachtrip.Itiseasiertopayupifyoucanormakearrangementswiththecreditorthantofacethiskindofhassle.Alwaystrytodealwiththeoriginalcreditorheiseasiertodealwiththanthatcollectionagencythatmightbehoundingyoutodeath.Donotdealwiththem.Ifthecollection (". agencysaysyoumustdealwiththemsincetheyhavethedebtmakeyourpaymentstotheoriginalcreditor.Andkeepyourrecordsofpayments.=CEASEANDDEISTLETTER#=]#:   Notifiesthecollectionstopcallingyou.Thisdoesnotmeanthatthecollectionagencywillnotfilesuitagainstyou.Iftheamountofyourdebtislargerthan$500.00thecollectionagencymaywanttofilesuitagainstyouoncethisletterissent.Andafterauthorizationhasbeengivenbythecreditortosue.Onsomerareoccasions,ifthecollectionagencyisasmallonetheymayevenfilesuitonasmalleramount.ThecollectionagencyafterthereciteoftheCeaseandDeistletterisauthorizedbylawtocontactyouonemoretimeandtellyoutheremedytheywishtoevokeagainstyou.Ifthecollectionagencyrefusestohonoryourletterandcontinuescallingyou,youhavelegalrightundertheFAIRDEBTCOLLECTIONPRACTICESACTtosuethem.Ifyouareunemployed,onwelfare,disabilityoryoursalaryissmallerthanthestateallowedamountgarnishmentortherearelawsstatingthatgarnishmentisnotlegalinyourstategarnishmentcannottakeplace.CallyourstateofficeofSmallClaimsandaskfortheguidelinesusedthereforgarnishment.'GARNISHEEINFORMATIONUNDERHAWAIIANLAW: "& #>+'#+>YINFORMATIONFOREMPLOYERSWITHEMPLOYEESWHOAREBEING $( GARNISHEED.#Y##>+# d& * +>Ifyouwereservedwitha GarnisheeSummons,youas garnishee,aretobegin '!, withholdingimmediately,apartofyouremployeeswages,(includinganysalary, d)#. commissions,annuityornetincomeorportionsofnetincomeundertrust).Youwillbegintopaythepersonorbusinessthemoneyyouhavebeenwithholdingonceyoureceiveyour GarnisheeOrder.Ifyouwereservedadocumentcalledan AffidavitandtheAffidavitwasfiledinDistrictCourtofHawaii,Youshouldimmediatelybegintowithholdyouremployeeswagestopaytothejudgementcreditor.Statelawallowsyoutomakea disclosureafteryouasanemployerareserved.Thedisclosureisastatementstatingwhetherthe judgementdebtor(personbeinggarnished)isyouremployeeornotandwhethertheirismoneyduetothejudgementdebtor.YouasanemployercandothisbyappearingincourtasstatedontheGarnisheeSummonsorbyfilingastatementwiththecourtindicatingthesame.Therearenopenaltiesagainstyouasanemployerifyoudonotappearincourt.ThecourtwillissueaGarnisheeOrdersameasifyouhadappeared.IftheemployeebeingGarnisheddoesnotworkforyou,youshoulddefinitelyinformthecourt.Ifyou discloseunderthelawyouareentitledtoa$10.00paymentunderHawaiilaw.Remember,thattheobligationtowithholdiscontinuing.Ifthereisaperiodthatyouremployeedoesnotearnenoughtohavewageswithheld,youmustonceagainbeginwithholdingassoonastheemployeeearnsenoughforgarnishmenttotakeplace.DuringthisnonepaymentperiodtheirisinterestaccruedonthisjudgementasspecifiedbyH.R.S.sec.4782. (". AstheGarnisheeOrdercomesclosetobeingsatisfiedyouasanemployershouldcontactthejudgementcreditorortheirattorneytodeterminetheexactpayoffamounts.ThenamesofthesepeoplearespecifiedontheGarnisheeSummons,andOrdersand/Affidavits.̀TherearetwolawsoneStateandoneFederal,thatsaywhatamountsaretobewithheld.YOUARETOFOLLOWTHEONETHATISMOSTFAVORABLETOYOUREMPLOYEE.Statelaw(H.R.S.chapter652)providesthatthefollowingbewithheld;5%ofthefirst$100.00permonth,10%ofthenext$100.00permonthand20%permonthofallsumsinexcessof$200.00permonth,orequivalentoftheaboveperweek.> (". AMOUNTSTHATCANBEGARNISHEDUNDERHAWAIILAW#>>#: d Federallaw(TileIIIoftheConsumerCreditProtectionAct(15U.S.C.1673))allowsgarnishmentofthedisposableearningsofanyindividualforanyperiodinanamountwhichisinexcessof:̀EFFECTIVEAPRIL1,1991EARNINGS:WEEKLYBIWEEKLYSEMIMONTHLYMONTHLY$127.50orless:$255.00orless:$276.26orless:$552.49orlessNONENONENONENONEMorethan$127.50Morethan$255.00Morethan$276.26Morethan$552.49butlessthanbutlessthanbutlessthanbutlessthaǹ$170.00$340.00:$368.35$736.65AmountaboveAmountaboveAmountaboveAmountabove$127.50$255.00$276.26$552.49$170.00ormore:$340.00ormore$368.35ormore:$736.65aboveMaximum25%Maximum25%Maximum25%Maximum25%Theterm disposableearningsisdefinedascompensationpaidorpayableforpersonalservicesafterdeductinganyamountsrequiredtobewithheldbylaw(example:taxes).? (". ЇEXAMPLE:#?%# d Iftheemployeesgrosspayis$160.00perweek.Aftertaxesandotherdeductionsrequiredbylaw,$135.00isleft.Theamounttobewithheldistheamountabove$127.50,butlessthan$170.00.@EXAMPLE:#@b# d  Employeesgrosspayis$250.00perweek.Aftertaxesandotherdeductionsrequiredbylaw,$190.00isleft.Theamounttobewithheldistheamountabove$127.50and$170.00and25%ofanyamountsabove$170.00.Theamountofdisposableearningsissubjecttogarnishmentisdeterminedbyrestrictionswhichareineffectatthetimesuchearningsarepaidorpayable.Theserestrictionsdonotapplyinthecaseof(1)Courtordersforsupportofanyperson(2)CourtordersunderChapter7oftheBankruptcyActand(3)anydebtowedforanyStateorFederalTax.Theamountofdisposableincomeexemptfromgarnishmentmustbepaidtotheemployeeorgarnisheeontheregularpaydayfortheperiodinwhichwageswereearned.Thelawalsoprohibitsanemployerfromdischarginganemployeebecausehisearningshavebeengarnishedforanyoneindebtedness.Thetermoneindebtednessreferstoasingledebtregardlessofthenumberofgarnishmentsmadeorcreditorsseekingsatisfaction.Violatorsmaybeprosecutedcriminallyandfinedupto$1000.00,orimprisonedfornotmorethanoneyearorboth. (". ZTOSUMITALLUP:#Z?# d WHATISSMALLCLAIMSDIVISION?##  Allinformationrenderedherebecameeffective12/16/93.MoreinformationbeobtainedbycontactingtheCivildivisionat(808)5385151ortheDepartmentofPublicSafetyat(808)5385665.SmallClaimsischarteredbylawtobe, adivisionofdistrictcourtinwhichcertaintypesofcasesbetweentwoormorepartiesareheardinasimpleandinformal.Charter633,oftheHawaiiRevised,Statutes1976asamended.Thepersonfillingtheclaimiscalledplaintiff;thepersonwhomtheclaimisfilledagainstiscalledthedefendant.InHawaiithecourtislocatedonthethirdfloor,KauikeaouliHale,111AlakeaStreet,Honolulu,Hawaii96813.ALLCIVILDOCUMENTSAREFILLEDHERE.Hoursare7:45A.M.to4:30P.M.MondaythroughFriday.Claimsnotacceptedafter4:15P.M.S77SWhatkindofCaseShouldbebroughtinsmallclaimscourt?#S7Z# " 7S1.Caseswheremoneyistoberecovered,nottoexceed$3,500.00netoverandaboveany d!$ moniesauthorizedbyinterestandcostsauthorizedbythecourt.2.ADefendantnamedintheStatementofClaimcanfileacounterclaimfor$20,000.00plusinterestandcosts.3.Casesofdisputebetweenaresidentiallandlordandtenetoverthedisputeofsecurity d'!, deposits. (". 4.Casesforthereturnofrentedorleasedpersonalpropertywherepropertyvaluedoesnotexceed$3500.00ortheamountclaimedasowingdoesnotexceed$3500.00.5.Finallydealingwiththeunauthorizedremovalofshoppingcarts,shoppingbasketsorothersimilardevices.WHEREMUSTTHECLAIMBEFILLEDINHAWAII:##    TheStateofHawaiiisdividedintoFOURjudicialcircuits.1stjudicialcircuit.(Oahu,districtofKalawaoinMolokaiandallislandsnotincludedinothercircuits;2ndjudicialcircuit(Maui,MolokaiexceptingtheDistrictofKalawao,Lanai,Kahoolawe,andMookini);3rdjudicialcircuit(Hawaii);4thjudicialcircuit(KauaiandNiihau).Eachjudicialcircuithasbeendividedintoseveraldivisionsgeographically.Thereisadistrictcourtandjudicialcourtineachjudicialdistrict.Circuitcourtislocatedinoneplace.Whilethedistrictcourtisdividedasmanydivisionsastheregeographicdivisions.EXAMPLE:## " ThesearethedivisionsoftheDistrictCourtoftheFirstCircuit.DIVISIONSLOCATIONOFCOURTHOUSEHonoluluHonoluluEwaPearlCityWahiawaWahiawaWaianaeNanakuliWaialuaWahiawaKoolauupokoKaneoheKoolauloaKaneohe (". Ї Ifyouhavethetime,awiseinvestmentofthattimewouldbetoobservethecourtyouaretoappearinandthejudgestherein.Seewhattheirexpectationsareandhis/hermannerofdealingwithpartieswhoappearbeforehim/herinvarietyofcases.Thiswillhelpyouinthepreparationofyourcase.Courtrulesprovide,thatclaimsshallbefiled;#O#    1.Inthedivisiondefendantresides;2.Ifthedefendantdoesnotresideinthejudicialdistrictthemclaimmustbefiledinthedivisiontheclaimforreliefarose,oriftheclaimforarouseoutsideofthethenclaimmustbefiledinthedivisionheresidesin.Youmustmakeitconveintforthedefendanttoappear.Soyoumustfileclaiminthedivisionofhisresidence.3.Ifthedefendantsresideindifferentdivisionsthenagainitmustbefiledwheretheclaimarouseoriftheclaimarouseoutsidethejudicialcircuitthentheclaimmustbefiledinthedivisionanyorallthedefendantscanbefound.4.Insecuritydepositdisputesclaimmustbefiledinthedivisionthepropertyislocated.NOCLASSACTIONCLAIMSCANBEINTRODUCEDINSMALLCLAIMSCOURT: d   4 ## " ЀA (". SMALLCLAIMSDIVISIONSFOREACHISLAND#A|#: d DOAHU#D%#  111Alakea3rdFloorHonolulu,Hawaii96813Phone(808)5482654EHAWAII#E#  @ StateBuilding,Room20575AupunistreetHilo,Hawaii96720Phone(808)9331241KeakealaniBuilding,room219Kealakekua,Hawaii967509014Phone(808)3222022WaimeaCivicCenterKamuela,Hawaii967430746Phone(808)8854615Phone(808)8854615FMAUI#F#  2145MainStreetHoapiliHaleWailuku,Maui96793Phone(80802442154GKAUI#G# d 3059UmiStreetLihue,Kauai96766Phone(808)2411464HMOLOKAI $! #HT#IKaunakaki, " Molokai96748Phone(808)5335451#I#JLANI "& #J7#KLaniCity,Lanai96793 #@' Phone980805655285#K#L (". ЇHOWTONOTIFYDEFENDANTS:#L#MAStatementofClaimtogetherwithacopyofthenotice,whichispreparedbytheclerk,mustbeserveduponthedefendant.Serviceanywhereinthejudicialcircuitshallbemadebyacivildeputyorthechiefofpoliceorhisdulyauthorizedsubordinateorbysomeother.Ifdocumentscannotbeservedbyassignedcourtdateyoumustappearincourtandaskthecourtforacontinuance.ThecopyoftheclaimmustbetakentotheCivilDivisionandupdatedpriortoservicebeingaffective.DocumentsinHawaiihavecourtdatesonthebackthatsayifyouwereservedonTuesdayforinstantyoumustappearincourttheWednesdaytwoweekafteryourservicedate.Soreadthebackofyourdocument.NotificationofcourtdateshalleitherbemadebythespecialdivisionchargedwithnotificationorinHawaiithroughthedateslistedonthebackofthecourtpapersyouwereservedwith.Solookonthebackandreadthedateyouaretoappearincourton.Counterclaimpapersaswellasinstructionsastotheirpreparationscanberequestedfromthecourtclerk.WMNOTIFYINGPLAINTIFFOFCOUNTERCLAIM#MW#:  @# Defendantmustnotifytheplaintiffwithacopyofthecounterclaimdocuments48hourspriortothetimesetfortrial.ServicecanbemadethroughtheSpecialServicesdivision,handdeliveredbythedefendantorabymailingacopytotheplaintiff. )@#/ OMO mD OCHAPTERIV#O O mD#OX@XO d DISTRICTCOURT:#OXOX@#  EITHERPARTYMAYBEREPRESENTEDBYANATTORNEY.#MO#Ifyoursuitexceeds$5,000eitherpartymayhavethecasetransferredtothecircuitcourt L  forajurytrial.Ifthedefendanthasbeenproperlyservedandisnotpresentatthetimeoftrial,theplaintiffmaywinjudgementbydefault.Inmostcases,thatIhaveseen,thejudgedoesntrequiretheplaintiffforproofofhiscase.Sogotocourtonthedatespecified.Iftheplaintiffisnotpresenttopresenthiscasethecasemaybedismissedwithprejudice.Whichmeanstheplaintiffcannotfileanewsuitregardingthiscase.Ifthecaseisdismissedwithoutprejudiceanewsuitontheclaimcanbefiled.NMHOWDOTHEPLAINTIFFANDDEFENDANTPREPAREFORTRIAL: L #MNM#Youwillberequiredtopresentthefactsofyourcaseinyourownwords.Ifyouhaveany h witnessesbringthemtocourt.Bringanypapersordocumentsthatrelatetoyourceaseandcanproveyourside.[MMUSTADEFENDANTANSWERTHESTATEMENTOFCLAIMINWRITING#M[#\M?#M\4# "h$ NO.Adefendantmayorallydenytheplaintiffsclaimandseektodefeatitonvalidgrounds.HoweveriftheifthedefendantwantstofileacounterclaimtotheplaintiffssStatementofClaim,thenthedefendantmustfileawrittenanswertogetherwithawrittenstatementof (h", hiscounterclaimbeforethedateofthehearing.Acontinuancemayberequestedatthistimeifthedefendantneedsadditionaltimetoanswerthecounterclaim.Thecounterclaimcanbefilledforanyamountupto$20,000.Toprepareacounterclaimwithouttheassistanceofanattorneyyouaskthecourtclerktoprepareitforyoufromthedocumentsfurnishedbythedefendant.Thishelpisonlyavailabletoindividualsandnottobusinesses.QMTRANSFERRINGYOURCASEFROMSMALLCLAIMSCOURTTOTHEREGULARCLAIMSDIVISIONOFTHEDISTRICTCOURT:#MQ#   RM1.Casesinvolvingsecuritydepositsinaresidentiallandlordrelationshipaswellas d repossessionofshoppingcartsorsimilardevicesmustbetriedandsettledinSmallClaimsCourt.2.AllothercasesfiledpriortoJanuary1,1992maybetransferredtoRegularClaimsCourtasfollows:a.OnthesetdateforthehearingorpriortothedefendantnamedintheStatementofClaim,ortheplaintiffswiththepermissionofthecourt,maychoosetohavethecasetransferred.b.Ifthedefendantfilesacounterclaim,theplaintiffsmaychoosetohavetheentirecasetransferredtoRegularClaimsDivision.c.Whoeverrequestthetransferisrequiredtopaythetransferfee.d.Whenthecaseistransferred:aa.TrailwillbeheldonthedatesetbythejudgeoftheRegularClaimsDivision.bb.Atthetrialallapplicablerulesofevidencewillbeappliedstrictly (". cc.Eachpartiesrighttoanappealwillbepreserved.3.CasecannotberemovedfromSmallClaimstoRegularClaimsDivisionwithouttheconsentoftheplaintiffs.PURSUANTTO*66327(amended)HawaiiRevisedStatueseffectiveJanuary1,1992.Ifthecasefiledisformorethan$5,000eitherpartycanrequestatrialinCircuitCourtbyajury.AdemandforjurytrailmustbefiledbeforethetrialinSmallClaimsCourtbegins.$100.00orthecostpayabletothecourtmustbedepositedwiththeclerkincourt.UpontheapprovalofthepresidingjudgethecasewillbetransferredtoCircuitCourt.NeitherpartywillhavearighttojurytrialiftheStatementofClaimisfor$5,000orlessorifthematteroverwhichthecasepresidesfallsunderthejurisdictionoftheSmallClaimsCourt.Afterjudgementisrenderedbythecourtitmustbepreparedinwrittenformandfiled.Usuallytheclerkpreparesthis.Howeverthecourtmayorderthewinningpartytofile.Thismaybedoneincaseswherethepartiesarerepresentedbyattorneys.Afterjudgementisfiledbothpartiesarenotified.Ifbothofthemhavetoappearinthehearingtheclerknotifiesthem.Ifonlytheplaintiffappearsandjudgementisrendered,theplaintiffsmustmailacopyofthejudgement,showingthefilingdatetothedefendantathislastknownaddress.  d'!, Thereisnorightofappealfromajudgement.Theloosingpartymayrequestthecourtto setasidejudgementwithin10daysafterfillingofthejudgement.Noextensiontothedeadlineisauthorizedbythecourt.ThereareseveralremedieswhicharegovernedbyStateandFederallawsandregulations.Seetheclerkformoreinformation.Theloosingdebtorisrequiredtopaycourtcosts.]RDOCUMENTSNEEDEDATTIMEOFTRIAL#R]#: d  1.Anywrittencontracts,rentalagreements,promissorynotes,receiptsandpropertyrepairagreements.2.Anylettersorcorrespondencebetweenthetwoofyou.Andthejudgemightaskifreasonableeffortwasmadetosettlethisagreementoutsideofcourt.3.Anybills,paidorunpaid,anycanceledcheckshavingtodowithprovingyourcase.4.Anybillsorwrittenestimatesforrepair.5.Photographs6.Callrecords,time,datesandconversationWitnessesareveryimportanttoyourcasebringanyonewhocanproveyourcaseorhaveanotarizedstatementbythemiftheycannotappear.Buttheapersonrelatedtoyourcaseismorevaluablethananotarizedletter.Ifawitnesswillnotcometocourtvoluntarilyorcannotgetpermissiontoleaveworkasubpenacanbeissuestocompelthewitnesstoappear.Thepersonaskingforthesubpoenamustpaywitnessfeesandmillage.Ifthepartywinsthecasethejudgemayincludetheamountpaidtowitnessandmillageaspartofthejudgement. (". ЇIfyouwinyourcaseyoumustprepareawrittenjudgementandsubmititforcourtapproval.Theclerkcanfurnishyouwiththenecessaryforms.Thelosingpartymayaskthecourttoreconsiderthejudgement.Thismustbedoneonorbefore10daysafterjudgementhasbeenfilled.Youmaywishtocorrectamistakemadeincomputingtheamountofthejudgementorpresentnewevidencediscoveredafterthetimeofthehearing.Sothelosingpartymayappeal.TocollectyourjudgementisanothermatterasIsaidbeforethecourtwillnotactasacollectionagencytorecovertheamountofthejudgementorderedbythejudge.Soyouwilleitherhavetogarnishwagesfromthedefendantifheisworkingwhichisanothertriptocourtstandingbeforethejudgeshowinghimyourjudgementandfillingagarnisheeorder.Besuretodothisifyoudonotreceivedpaymentorworkoutapaymentplainbetweenthetwoofyou.Youcanalsofindoutifyoucanattachtorealpropertythepersonownsinordertocollect.̀IfpaymentisreceivedpriortothejudgementbeingfiledyoumustfileaDiscontinuanceWithPrejudice.IfpaymentisreceivedafterjudgementisfiledyoumustenteraSatisfactionOfJudgement.Theclerkscanhelpyou.^RALLINFORMATIONHEREISPROVIDEDFROM, YOURGUIDETOREGULARCLAIMS d$( COURT.REVISED,JULY1993.#R^g# %*  (". Ї_R_ mD _CHAPTERV d #_ _ mDn#_&&__&_&EXAMPLEOFLEGALDOCUMENTSYOUMAYNEEDFORYOURCASEANDOTHERS  YOUMAYJUSTWANT.#_&&_# d  #R&m&&_&O#&m&&R&m&&mHEREARESOMEEXAMPLEOFDOCUMENTSYOUWILLNEEDANDOTHERSTHAT  0 YOUJUSTMAYWISHTOINCORPORATEWITHYOURSUIT.THESEDOCUMENTSPERTAINTOHAWAIISOBESUREYOUFINDTHECORRESPONDINGDOCUMENTSINYOURSTATEANDFOLLOWYOURSTATESLAWS.S#S#THEINFORMATIONHERESHOULDNOTDISCOURAGEYOUFROMHIRINGAN  ATTORNEY,INMOSTCASESYOUMAYNEEDANATTORNEYIFYOUCASEISCOMPLICATEDORTHEAMOUNTOFTHEDEBTMAKESITVIABLETOHAVEANATTORNEYREPRESENTINGYOU.IFYOUAREPOORREMEMBERTHATYOUHAVELEGALAIDOPTIONS.IFYOUDONOTQUALIFYFORLEGALAIDYOUMAYHAVEATTORNEYSINYOURTOWNWHOVOLUNTEERTHEIRTIMETOLOWINCOMECLIENTS.SOMETIMESLARGEFIRMGIVEPROBONOLEGALSERVICES.CHECKINTOALLOFTHESEAVENUESBEFORESPENDINGLARGEAMOUNTSOFMONEY.ALLSERVICEOFTHESEDOCUMENTSMUSTBEMADEEITHERBYREGISTEREDMAILRETURNRECEIPTREQUESTED,BYTHESHERIFFORINPERSON.ANYOFTHESEDOCUMENTSCANBEFILEDANDREQUESTEDBYEITHERTHEDEFENDANTORTHEPLAINTIFFINTHECASE.XXX@XXX *#. DOCUMENTSINORDEROFUSEFORCOLLECTIONCASESONLY:#XX@{# d 1.COMPLAINT/SUMMONS## L ЀDOCUMENTI:##  h Thiscourtdocumentstatestheallegationsyouaremakingagainsttheotherpartyorthe L  allegationstheyaremakingagainstyou,DEPENDINGONWHOFILESTHISDOCUMENT,.Howmuchyoursuitisforandunderwhatlawyouintendtorecover.Thisdocumentcanalsobefilledbyyouifyouarethedefendantifyouwishtofileacountersuit.Tofileacounterclaimyouneedtogetleaveofcourt.Whichmeansyouneedtogetthejudgespermissiontofileacounterclaim. L)". Ї{{g8{#g88{g;"##8gZ"# (". ЇX@X2.STATEMENTOFCLAIMANDNOTICE:#XX@ ## d #"#(DOCUMENTII L #(##yThisdocumenttellsyouwhoisbeingsued,wheretheyliveandwhysuitisbeingbroughtat  h thistimeanamountallegedlyowed.Itisimportanttospecifythecorrectareatheotherpartylivesinsoyougettheproperdivisionthiscasemustbefiledin.Youmustfileyourclaiminthedivisionclosesttotheotherpartieshomewhenfillingsuitagainstsomeone.#y$#( L  #(%# L(!, ЇXrXX@XXXr )8#. 3.COVERLETTER#XrXXX@&##XXra&# d DOCUMENTIII L Youmailyourcoverlettertotheotherparty,ifyouwishtoservethemwithanycourtpapers  h ordocumentsrequestinginformationbothfromthecourtandtheotherpartyinyoursuit.Withtheexceptionoftheinitialcomplaint.Thisdocumentalsotellsyouthedateitwasmailed,howmanycopieswheresent,civilnumberthiscasepertainstoandwhatmotionyouareserving. L)". ЇXXX@XXX (P"$ 4.CERTIFICATEOFSERVICE#XXXX@S)##XX4)# d DOCUMENTIV# *# L ThedocumentsthatfollowsistheCERTIFICATEOFSERVICE.InthiscaseIusedittoshowthatI,thedefendantwasrequestingaMOTIONFORCONTINUANCE.Thisdocumentcanberevisedtoshowanyserviceyourenderedupontheotherpartywhetheryourarethedefendantortheplaintiffandbywhatmeansitwascarriedout(whetherbythesheriff,themailsystemorinperson).Getthecorrespondingdocumentfromyourcourtifyouwishtomakeserviceupontheotherparty.ThisisthedocumentweuseinHawaii. L)". ЇYourNamehere(ifyouarethedefendant)AddressCity,StateZipTelephone#̀̀INTHESMALLCLAIMSDIVISIONOFTHÈDISTRICTCOURTOFTHEFIRSTCIRCUIT̀(WAHIAWADIVISION)̀STATEOFHAWAIITheirname(aswrittenonoriginalcourtdocument))CIVILNO.ISC940001̀)Plaintiff)CERTIFICATEOFSERVICE#p/#Ԁ @  Ѐ)vs.)̀)Yourname(ifyouarebeingsued))________________________________________ d ̀CERTIFICATEOFSERVICE @ ӀTheundersigneddefendant,YourName,ifyouareprovingservice),herebycertifiesthatacopyoftheMotionForContinuance(orwhateverdocumentyouareservingthemwith)wasdulyservedonthelistedpersonbydepositingthesameintheU.S.Mail̀(thisisifservicewasrenderedbymail)postageprepaidfirstclass,returnreceiptrequestedon,(theotherpersonsname)at(theiraddressorwhereserviceoccurred),Honolulu,Hawaii96822onthisdate:DATED:Honolulu,Hawaii,October26,1996. d$( 3ӀӀ____________________H4ӀYourName (". ЇXXX@XXX5.REQUESTFORTHEPRODUCTIONOFDOCUMENTS d #XX@4#DOCUMENTV L #5#Youarepetitioningthecourttoallowyoutoreviewalldocumentsinthepossessionofthe  h otherpartypertainingtoyourcase.Thisdocumentissubjecttotheobjectionsoftheopposingparty.Exceptionstothisrequestaredocumentdeemedclientprivledgedinformation.#5#X@X L   (0"& Ї (P"$ Ї (P"$ Ї (P"$ Ї (P"$ Ї (P"$ Ї (P"$ Ї6.MOTIONFORCONTINUANCE/CERTIFICATEOFSERVICE#XXXX@G7##XXf7# L DOCUMENTV#99# 4  ЀWhenyourequestaMOTIONFORCONTINUANCE,youmaydoitforvariedreasons.1.Youmaywishtosubpenatheturnoverofevidencethattheotherpartyhasagainstyouthroughtheirrecords.Telephonecalls,mailsenttoyouoranyotherformtheyhavecontactedyouinthepast.2.Youmaywishacontinuanceduetoillness.3.Beingunabletobeincourtontheappointedcourtdate,goingoutoftown,unabletogetofffromwork,emergency.4.Oranyotherlegitimatereasonthatthejudgemayapprove. )P#. Ї (". ЇXXX@XXX7.MOTIONTOSETASIDEJUDGEMENT#XXXX@<##XX;# d DOCUMENTVII#<# L Youarepetitioningthecourttosetasideajudgementthathasalreadybeenrenderedduetowhatcouldbemanyreasons.Forexampleduetoillness,beingunabletogettimeofffromwork,misreadcourtdocumentastodate.Wenttothewrongcourthouse,inthiscasegetacourtstampwithtimeanddateprovingwhenyouarrivedincourt.Duetonewevidenceinthecase.Explaininasmuchdetailastowhyyoufeelthismotionshouldbegranted.Ifyouareconvincingenoughyoumightbeabletohavethejudgementsetaside.Thispertainstoacasethatajudgementwasrenderedonwhenthesuedpartywasntpresentandadefaultjudgementwasenteredonbehalfoftheplaintiff. L)". Ї (". XXX@XXX8.MOTIONFORRECONSIDERATION#XXXX@#@##XX@# d DOCUMENTVIII#@# L Thisisarequestforareconsiderationofthejudgemententeredduetonewevidenceinthecase.Whichwasnotavailableorreasonabletoobtainatthetimeofthetrial.Example:Withheldevidence L)". М XX (P"$ 9.ANSWERSTOINTERROGATORIES:#XXB# d ЀDOCUMENTVIX  L ЀThiscouldbethemostimportantdocumentyoucanhave.Withthisdocument,ifyouarefilingacountersuit,andthecollectionagencyortheattorneyhasviolatedtheFairDebtCollectionsPracticesActtryingtocollectfromyou,youcanrequestanyandall̀Documentspertainingtoyourcase.Ihavewonmanyasuitjustbysubmittingthisdocumentbecausethecollectionagencyortheattorneydidntwanttodealwithfillingit̀out.Thequestionsonthisdocumentarejustsamplesandyoucanmakeyourownquestionstosuityourcase. L)". Ї̜ P  mD   P d'!  Ї d)# Ї &  Ї d)# Ї &  Ї d)# Ї &  Ї d)# Ї &  Ї d)# Ї &  Ї d)# Ї &  Ї d)# Ї &  Ї d)# Ї &  Ї d)# Ї &  Ї d)# Ї &  Ї d)# Ї &  Ї d)# Ї K K!K &  !KCHAPTERVI# P   mDyE##  PZE# d CONCLUSION:#I#  Myintentioninwritingthisbookwastoprovideyouwiththebestandmostcomprehensiveinformationtohelpyoucleanupyourcredit,aswellasgiveyousolutionstodealingwithcollectionagencies,attorneysandthecourtsystem,inorderthatyoutoocanbeontheroadtoreclaimingyourcreditandfinancialfuture.Ididthisbyshowingyoustepbysteptheproceduresyouwillhavetotakeinorderaccomplishthis.Thisisnoteasyandinmostcasesbutyouwillfindtherewardsgreatlyoutwaythehardshipsonceyouarebackontheroadtogoodcredit.EverythingIhavewrittenhereIhavedoneandsocanyou.Goforitandreclaimyour,lifeandsanity.MuchoftheinformationprovidedherepertaintoHawaiilawsobesureyoucheckyourstatelawsandfileaccordingtotheirprocedures.Thisbookisintendedasaguideandbynomeansprofessestobealegalstandardforallstates.Besureyoufollowtherulesandregulationsofthestateyouintendtofilein.