Hoʻomaopopo ka Fair Debt Collection Practices Act i nā mea hōʻai'ē'ai'ēʻekolu aʻaʻole eʻaeʻia e hana i ka wā e loaʻa ana iā lākou kahi hōʻai'ē. ʻO kaʻikeʻana i kāu mau kuleana a me nā mea hōʻai'ē e hiki iā ia ke ho'ōla nui iāʻoe me ka mālamaʻole iāʻoe i ka ukuʻana i nā aie āu i kuleanaʻole ai.
01 E hiki iāʻoe ke noi i kahi hōʻai'ē'ai'ē e ho'ōki i ke kāheaʻana.
02 E hiki iāʻoe ke noi i ka luna kiʻi e kāhea wale i nā manawa kūpono.
Ke'ōlelo nei ke kānāwai, hiki i nā kāpena ke kāhea wale i waena o nā hora 8 am a 9 pm. Akā, inā he wā hou ka mea kūponoʻole iāʻoe, no ka hōʻailona ma mua o 10 am no kou hanaʻana i ka hoʻololi hope, eʻike ka ' ʻaʻaʻia e kāhea iāʻoe i kēlā manawa.
03 E hiki iāʻoe ke noi i ka Luna Dute e hōʻoia i ka aie.
Ma hope koke iho o ka hui muaʻana iāʻoe, e koiʻia ka mea hōʻai'ē e haʻi iāʻoe i kāu kuleana e kū'ē'ē i kaʻoiaʻiʻo o ka aie. A laila, 30 mau lā e hoʻouna aku ai i kahi palapala hōʻai'ē hōʻai'ē e noi ana i ka hōʻoia e loaʻa iāʻoe ka aie. Ma hope o ka loaʻaʻana o kāu leka, pono ka luna e hoʻopau i ka hana hoʻolālā a hiki i ka wā i hoʻounaʻia ai ka hōʻoia.
04 Ua hōʻike pololeiʻia nā koina e hiki ke hoʻopaʻaʻia.
'Ōlelo ke Fair Credit Reporting Act e hiki keʻike waleʻia ka pololei, kūpono, a me ka hōʻoiaʻike i kāu hōʻike kālā. Hoʻouna i kahi hōʻike pili kālā e hōʻole i kaʻaha kālā no ka loaʻaʻana o nā pūʻulu hōʻiliʻili pololeiʻole i hōʻoleʻia mai kāu hōʻike kālā. E hele i luna me ka 'oihana hoʻolālā inā hoʻoholoʻole ka hihia o kaʻaha kālā.
05 Ua loaʻa iāʻoe ka pono e kāpae i nā pihi kiʻi i kāuʻoihana.
ʻAʻole hiki i nā kāpena ke hea aku iāʻoe ma kahiʻoihana ināʻike lākou a iʻole eʻikeʻoeʻaʻoleʻoe eʻaeʻia e loaʻa kēlāʻano o nā pika ma ka hana. E haʻi wale i ka luna kiʻiʻaʻole e kāhea i kāu hana aiʻole e hoʻouna i kahi leka inā makemakeʻoe e loaʻa kāu noi ma ke kākauʻana.
06 Ua kuleanaʻoe i ka pilikino no kāu mau aie.
Hiki i nā Debt collectors ke kuhikuhi aku i kekahi mauʻaoʻaoʻekolu no ka loaʻaʻana i kāuʻike pilikino ināʻaʻole hiki iā lākou ke hōʻea iāʻoe, akā hiki iā lākou ke hoʻopili i kēia poʻe i hoʻokahi manawa wale nō. ʻAʻole hiki i nā Luna Dute ke haʻi aku i kekahi mea'ē aʻe no kāu aie. ʻO ke kumu o kāu wahine, lau loio inā loaʻa iāʻoe kekahi, aʻo kou makua a kahu hānai paha ināʻoe i lalo o 18 makahiki.
07 Aia ka mea hōʻai'ē iāʻoe i kaʻoiaʻiʻo.
Ua pāpāʻia nā Debt Collectors mai ka hāʻawiʻana i nāʻike wahaheʻe. ʻAʻole hiki iā lākou ke hōʻike wahaheʻe iā lākou iho i mau loio aiʻole keʻena o ke aupuni ināʻaʻole lākou, aʻaʻole hoʻi e hiki iā lākou ke hoʻopiʻi iāʻoe no ka hanaʻana i kekahi karaima. ʻAʻole lākou eʻaeʻia e hoʻopunipuni i nā pepa ma keʻano he palapala kānāwai a iʻole pepaʻaʻole he kānāwai inā heʻoiaʻiʻo.
08ʻAʻoleʻoe e uku i kekahi mea'ē aʻe ma mua o kāu mea e uku ai.
ʻAʻole iʻaeʻia nā Luna Dute e uku i nā uku a uku paha keʻole kaʻaelike mua a iʻole ke kānāwai o ke aupuni eʻae aku. Hiki iāʻoe ke paio i kekahi kālā i manaʻoʻia me kaʻole
09 E hiki iāʻoe ke koho i nā aie e uku.
Inā loaʻa iāʻoe he aie aʻoi aku i ka hoʻokahi a me ka mea'ai'ē'ai'ē, uaʻaeʻiaʻoe e koho i kahi o kāu uku e uku ai i kāu uku. Hoʻokuʻu ka FDCPA i ka Luna Dute mai ka noiʻana e uku i kahi aie āu i hoʻopaʻa ai.
10 E hiki iāʻoe ke pale aku i ka ukuʻana ma kahi i hōʻaleʻia.
ʻO ke kānāwai o nā palena ,ʻo ia ka manawa e hiki ai i ka Luna Dute ke noi iāʻoe no kahi hōʻai'ē. Hoʻololi ka manawa palena ma ka moku'āina a ma keʻano o ka hōʻai'ē. Aia'ē'ēʻoe i ka aie ma hope o ka halaʻana o ke kānāwai o nā palena, akā, iāʻoe ka kuleana e kāohi i ka uku. Hiki i nā kāpena ke hōʻiliʻili i ka hōʻai'ē a me ka papa inoaʻana i kāu hōʻike kālā ināʻo ia i loko o ka palena manawa hōʻike hōʻai'ē .
11 Aia iāʻoe ke kuleana e hoʻopiʻi i ka luna lawe waiwai e hōʻeha i kāu mau kuleana.
Hiki iāʻoe ke hoʻopiʻi i kahi mea hōʻai'ē ma ka moku'āina aiʻole kaʻaha kūkā. Hiki iāʻoe ke loaʻa nā uku kūpono, e like me ka uku o ka uku, a hiki i $ 1,000 i nā poho hapa, a me ka uku hou no kāu uku pili kānāwai. Inā ua hōʻeha ka mea nāna e'ai'ē iāʻoe a me kekahi mau mea hoʻohana'ē aʻe, hiki iāʻoe ke hana i ka loiloi o ka papa hana a loaʻa iā $ 500,000 a 1% paha o kaʻupena upena o ka mea lawe.