Hōʻike kēia palapala ʻōlelo ʻelua i nā ala e hiki ai iā ʻoe ke hana maikaʻi me nā ʻohi ʻaiʻē a loaʻa ka ʻike e pili ana i kāu mau kuleana ma lalo o ke Federal Fair Debt Collection Practices Act a me nā ʻanuʻu e hana ai ma hope o ka hoʻopili ʻana iā ʻoe. Hōʻike ka brochure iā ʻoe i ka mea hiki ʻole i ka poʻe ʻohi aie ke hana, me ka hoʻopilikia ʻana iā ʻoe, ka ʻōlelo wahaheʻe, a i ʻole ka hoʻopunipuni iā ʻoe i ka ʻae ʻana i kā lākou kelepona. Hoʻokomo pū ʻia nā palapala laʻana e pili ana i ka hoʻopau ʻana i ka pilina mai kahi ʻohi a pehea e noi ai no ka hōʻoia ʻana i kāu aie.