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AR Recovery Solutions of Hawaii


94-229 Waipahu Depot St Ste 401
Waipahu, HI 96797-3034

Contact Them:

Phone: (808) 678-8100
Fax: (808) 678-8488

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 1 Comment

    1. Taylor on June 11, 2018 at 2:00 pm

      In 2016, while I was a college student, I was hit by an SUV from behind while I was riding a moped. I suffered road rash, a concussion and bruising. The driver came out cursing and threatening me while I was on the ground covered in blood. He later apologized and asked if I had a boyfriend. The ambulance suggested I go to the hospital but I couldn’t afford the trip. The cops issued no tickets. My moped was obviously uninsured. The driver needed to replace his front bumper. I declined to pay due to the nature of the accident, additionally Hawaii is a no fault state which means everyone takes care of their own damages. Instead of doing this, the driver took this case to collections. I was harassed by an anonymous phone number for days until I sent a cease and desist letter. A year and a half later I was served court documents at work. I lost the case because the damage to the bumper was more to the side rather than directly on the front. This could have been because the driver was texting or switching lanes, but either way I owed collections $1800. Instead of contacting me to COLLECT, like they were supposed to (as is the nature of their COLLECTIONS business) they decided to ignore my emails and garnish my wages. I just want everyone to know what kind of lying scummy company this is that represents aggressive money hungry maniacs and takes advantage of financially distressed victims

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.