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There are 9 resources  
  Creditors Rights
 
   Debt Collection: What You Should Know This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.
This brochure provides a summary of your rights when dealing with creditors and some guidelines for determining what debts should be given a priority in a financial crisis. Even when you do not have the money to pay your bills, you do not have to be subjected to collector pressure tactics.
By: Legal Aid Society of Hawai`i - Honolulu
 
  
   
   Illegal Debt Collection Conduct by Creditors This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.

By: Legal Aid Society of Hawai`i - Honolulu
 
  
   
   My Creditors Are Harassing Me: What Can I Do? This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.
This brochure includes sample letters you can use to write to your creditors and/or collection agencies to tell them to stop harassing you.
By: Legal Aid Society of Hawai`i - Honolulu
 
  
   
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  Other Helpful Information
 
   Choices That Can Get You Into Trouble This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.
This brochure provides useful information on how to avoid problems with your debts.
By: Legal Aid Society of Hawai`i - Honolulu
 
  
   
   Credit - An FTC Consumer Law Web Site (Separate Website)
This website contains over 100 documents that deal with credit issues, including credit scams, privacy issues, identity theft, electronic banking and credit cards. The web site also contains information for businesses. The documents may be viewed and printed from the screen or printed in PDF format.
By: Federal Trade Commission
  
   
   My Creditor is Cancelling My Debt (I Got an IRS 1099C Cancellation of Debt Form) This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.
Use this brochure if you received a "1099-C: Cancellation of Debt" form in the mail, AND you want to know what you need to do.
By: Legal Aid Society of Hawai`i - Honolulu
 
  
   
   Debt Collection: Cease Contact Letters Packet with Instructions This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.
This brochure shows you how to use a Cease Contact Letter with creditors and collection agencies.
By: Legal Aid Society of Hawai`i - Honolulu
 
  
   
   Federal Tax Debts: Your Options This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.
This brochure is useful if you have a tax debt with the IRS.
By: Legal Aid Society of Hawai`i - Honolulu
 
  
   
   What to Do If You Have Joint Debts This link opens a PDF file in a new window.  If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.
This brochure includes a sample letter you can use to let your creditor know that you do not want to be responsible for any further charges made by the other person on your account.
By: Legal Aid Society of Hawai`i - Honolulu
 
  
   
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