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Hawaii Consumer Law Questions & Answers
4 Answers | Asked in Car Accidents, Personal Injury, Consumer Law and Insurance Defense for Hawaii on
Q: Should I hire an attorney after a rear-end car accident with minimal insurance coverage?

I was involved in a car accident where I was rear-ended by an at-fault truck driver, leading to severe damage to my passenger van and damage to the sedan in front of me. The at-fault driver's insurance has minimal coverage ($10,000 for the damaged cars), which won't cover the repair costs... View More

Tim Akpinar
Tim Akpinar
answered on May 8, 2025

A Hawaii attorney could advise best, but your question remains open for a week. I'm sorry about your accident, and the fact that your aggravation is compounded by minimal insurance coverage. It could be a difficult decision here, since the claim could be complex, in terms of involving UM... View More

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4 Answers | Asked in Car Accidents, Personal Injury, Consumer Law and Insurance Defense for Hawaii on
Q: Should I hire an attorney after a rear-end car accident with minimal insurance coverage?

I was involved in a car accident where I was rear-ended by an at-fault truck driver, leading to severe damage to my passenger van and damage to the sedan in front of me. The at-fault driver's insurance has minimal coverage ($10,000 for the damaged cars), which won't cover the repair costs... View More

Tim Akpinar
Tim Akpinar
answered on May 8, 2025

Addendum - 'Sorry... When I answered a second ago, I meant "underinsured motorist" coverage, NOT "uninsured motorist" coverage. I should have proofread my response more slowly and thoroughly before uploading! Good luck

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1 Answer | Asked in Banking and Consumer Law for Hawaii on
Q: We finance a used car and it broke down in just 2 days, they don't want us to have a different car

They also don't give back the down payment that we paid to them

James L. Arrasmith
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answered on Apr 11, 2024

I'm sorry to hear about your difficult situation with the used car purchase. Here are a few steps you can consider taking:

1. Review your purchase contract: Carefully read through the sales contract to see if there is any language about warranties or guarantees. Look for any clauses...
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1 Answer | Asked in Business Law, Contracts, Real Estate Law and Consumer Law for Hawaii on
Q: Can I recover my deposit or address mortgage and appraisal discrepancies with my home purchase in Mililani?

I was in the process of purchasing a home in Mililani and had concerns about the financial aspects. I was under contract and was told I could cancel anytime and get my deposit back, except for inspection and appraisal fees. After discussing with the financial person, I was led to believe that with... View More

James L. Arrasmith
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answered on Sep 25, 2025

You may have options to recover your deposit or address the discrepancies if the financial representations you received were inaccurate or if the property had undisclosed issues. Since you were told over the phone that you could cancel anytime and get your deposit back, that may create a basis to... View More

1 Answer | Asked in Civil Litigation, Real Estate Law and Consumer Law for Hawaii on
Q: How to address quit claim deed fraud with supporting documents?

I want to file a complaint regarding a quit claim deed fraud that I discovered one year ago. I have all the documents supporting this fraud, and I have already contacted authorities online. What steps should I take next to address this situation effectively and seek a resolution?

James L. Arrasmith
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answered on Sep 8, 2025

The first step is to ensure that all your documentation is organized and clearly shows the fraudulent activity. Make copies of the quit claim deed, any communications, and other supporting evidence, keeping the originals safe. This will help authorities or a court understand your claim.... View More

1 Answer | Asked in Lemon Law and Consumer Law for Hawaii on
Q: Dealership sold used car with unresolved issues, car now feels unsafe

I purchased a used car from a dealership on July 11, 2025. Within the first month, the engine light and other dashboard issues appeared three times, and the car stalled out, reducing speed to 5-10 miles per hour. I've texted the sales and service reps with detailed descriptions and videos of... View More

James L. Arrasmith
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answered on Sep 8, 2025

You are facing a serious safety concern with your car, and it’s important to address it quickly. Since the vehicle is stalling and the dashboard warning lights keep appearing, it may not be safe to drive. You should avoid using it for regular travel until a reliable mechanic can inspect it to... View More

1 Answer | Asked in Traffic Tickets and Consumer Law for Hawaii on
Q: Will insurance start time affect ticket dismissal for no insurance?

I was stopped for making an illegal turn and did not have insurance at the time. The officer mentioned that I just needed to provide proof of insurance. I did get insurance on the same day as the stop, and I have a court date. Will the court verify the exact time I obtained the insurance, or is... View More

James L. Arrasmith
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answered on Sep 2, 2025

It’s understandable to be concerned about how the timing of your insurance purchase will affect your case. In Hawaii, as in many states, judges often look at whether you currently have valid insurance rather than focusing only on whether you had it at the exact moment of the stop. Showing that... View More

1 Answer | Asked in Consumer Law and Identity Theft for Hawaii on
Q: Received email claiming money owed by Desmond Carl at Federal Reserve Bank, is it legitimate?

I received an email from someone claiming to be Desmond Carl at the Federal Reserve Bank, stating that I am owed a large sum of money and I don't have to pay anything. The money will be put onto a card for me. The email asked me to confirm my name and phone number, which I provided. Is this... View More

James L. Arrasmith
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answered on Jul 27, 2025

What you received is almost certainly a phishing scam—legitimate Federal Reserve Bank staff don’t send unsolicited emails promising free money. Now that you’ve shared your name and phone number, you should assume your information may be used in further scams.

First, stop responding to...
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1 Answer | Asked in Consumer Law, Insurance Defense, Landlord - Tenant and Real Estate Law for Hawaii on
Q: High rental car bill after collision, insurance refuses to pay due to late reporting caused by incorrect email.

I received a high bill from a rental car company after a collision, but the insurance refused to pay because the rental company sent the invoice to the wrong email address, which resulted in exceeding the insurance's reporting day limit. The insurance company does not offer phone support for... View More

James L. Arrasmith
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answered on May 14, 2025

That’s an incredibly frustrating situation, especially when the mistake wasn’t yours. If the rental company sent the invoice to the wrong email, that’s on them—not you. You can start by gathering documentation that proves you gave the correct email address and didn’t receive the invoice... View More

1 Answer | Asked in Health Care Law and Consumer Law for Hawaii on
Q: Legal time limit for sending a medical bill in Hawaii after over a year.

I received a medical bill on April 10, 2025, from a provider related to office visits in January and February 2024, where a cyst on my tailbone was drained three times before surgical removal. The insurance paid its part by March 2024, but no bill or notices were sent to me until now. Is there a... View More

James L. Arrasmith
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answered on Apr 16, 2025

You understandably feel surprised by a bill arriving so long after your visits, but Hawaii law treats medical services as a written contract for purposes of collecting payment. Under Hawaii Revised Statutes § 657‑1, a provider has up to six years from the date the debt becomes due (generally... View More

1 Answer | Asked in Consumer Law, Foreclosure, Real Estate Law and Collections for Hawaii on
Q: If making monthly mortgage payments, why am I in foreclose, and I have all my bank statements showing I have paid.

I asked where my payments went, if you are claiming I have not paid. No answer. SPS had blocked me from making my December, January and February payments because I was told I am in legal process of foreclosure. I asked why as I have been making payments. I was told I had not made any payments... View More

Blake Goodman
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answered on Feb 1, 2024

You are being screwed with. I help people file bankruptcy to save their home from foreclosure, not this kind of thing.

You need to find an attorney that represents borrowers under the Truth in Lending Act (or TILA). See what you can find on Google for an attorney versed in this law that...
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1 Answer | Asked in Bankruptcy, Consumer Law and Lemon Law for Hawaii on
Q: I have defaulted on a car loan with Santander consumer USA. It’s been a year. Car still not repo. What do I do?

The loan has defaulted for a year now and my car still hasn’t been repossessed. What are my legal options? Should I do a voluntary repo?

Timothy Denison
Timothy Denison
answered on May 4, 2023

Your legal options are: 1) bankruptcy; 2) borrow money and pay off the note; 3) sell the car and pay off the note; 4) don’t voluntarily repo bc it won’t reduce the debt by much. Even if repoed, you will still owe nearly the same amount.

1 Answer | Asked in Consumer Law for Hawaii on
Q: Can I sue a store for non delivery of product with a POS receipt that is not a registered business in Hawaii?

After seeing and agreeing to put a deposit on a product at a store in Maui, I was asked to sign a shipping & purchase document, as they were just the licenced distributer of the product and the manufacturer would be shipping my product upon full payment. I remember reading I would have 14 days... View More

James L. Arrasmith
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answered on Mar 2, 2023

If you believe that you have been a victim of a scam or fraud, you may want to consider contacting an attorney who specializes in consumer protection or fraud cases. They can advise you on your legal options and help you determine whether you have a viable claim for damages.

In general,...
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1 Answer | Asked in Consumer Law and Small Claims for Hawaii on
Q: How do I get my money back on a false misrepresentation of a claim on a product I bought?

I purchased a device that claimed FDA approval and it is not. I based the purchase on being told it was FDA approved.

Tim Akpinar
Tim Akpinar
answered on Jan 23, 2022

A Hawaii attorney could advise best, but your question remains open for five weeks. Hawaii consumer laws aside, which only a local attorney could advise about, the most practical approach could be to request refund through the company's customer service department. If there's more to the... View More

1 Answer | Asked in Consumer Law and Insurance Bad Faith for Hawaii on
Q: Is the death due to "complications of blunt force injuries of the head" considered to be an accidental death?

I am the beneficiary of a Guaranteed Life Insurance from Gerber Life that started June 2019. The insured passed away on March 27, 2020. I filed a death claim with Gerber Life but there was a delay in obtaining his death certificate due to the pandemic. I finally was able to send in the required... View More

Mark Simonds
Mark Simonds
answered on Dec 17, 2021

Aloha, blunt force trauma is exactly that - an injury caused by blunt force, whether applied intentionally by another person, or due to accidental circumstances. It is more a medical term than a legal term. It just describes the type of causation, not the state of mind of the individual... View More

1 Answer | Asked in Consumer Law and Land Use & Zoning for Hawaii on
Q: Encroachment of a wall on my boundary line is less than one foot.

The wall was built over 20 years ago and a recent survey revealed the wall encroached less than a foot into neighbor’s land.

Tim Akpinar
Tim Akpinar
answered on Feb 11, 2021

A Hawaii attorney could advise best, but your post remains open for two weeks. You could repost in the Real Estate section. There wasn't a question included, but if you're wondering about adverse possession and other issues arising here, an attorney might need to see the survey and other... View More

1 Answer | Asked in Consumer Law and Medical Malpractice for Hawaii on
Q: If MFT therapy starts in Hawaii and the client moves, Can therapy go on even if the client is no longer in Hawaii?

Hawaii revised Statutes.

Tim Akpinar
Tim Akpinar
answered on Jan 17, 2021

A Hawaii attorney could advise best, but your question remains open for four weeks. For MFT (marriage family therapy?) issues, a divorce or family law attorney could be able to offer meaningful input. There are headings for those those areas here. Not all questions get picked up, but if you wanted... View More

1 Answer | Asked in Consumer Law for Hawaii on
Q: I found a animal part inside my can of Coca-Cola that was older I drink part of it and realized had nimal part in can

Contacted Coca-Cola they're sending one free case coupon animal that looks like inside the can been freaking out for about 45 minutes now there was a f****** animal inside or some sort of leg and in my can of soda that I drink some of the liquid and spit it out and made me puke I can send you... View More

Tim Akpinar
Tim Akpinar
answered on Aug 22, 2020

A Hawaii attorney could advise best, but your post remains open for three weeks. In such cases, despite any distress one may experience, legal remedies tend to be based on actual damages. That generally means injuries of significance and duration/permanence, supported by medical documentation. You... View More

1 Answer | Asked in Consumer Law and Contracts for Hawaii on
Q: I financed my vehicle through a dealership that was in cahoots with the financing co. In 2014. W/ 3 lawsuits

I have kept all my paperwork, payments everything and I recently found that 4 different states filed class action lawsuits against santander at least 3 of the, describe my situation and I can prove it all

Can I too file a lawsuit against the financing co and/or the dealership for the 1... View More

Bruce Alexander Minnick
Bruce Alexander Minnick
answered on Jul 30, 2019

If you really found four different states that filed class actions against a dealership, three of which sound like they are after the same relief you are you may have more (and cheaper) options than trying to sue them yourself. Try calling one of the law firms involved in the three similar cases.

1 Answer | Asked in Consumer Law, Real Estate Law and Tax Law for Hawaii on
Q: Can I legally charge a finders fee to help someone claim an escheat check?
Bruce Alexander Minnick
Bruce Alexander Minnick
answered on Jun 7, 2019

I would not try to do that unless you are a lawyer or otherwise have financial services credentials or debt collection credentials issued by Hawaii.

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