Guardian Capital Management Hawaii: Who They Are and Your Rights

Type

Collection agency

Also known as

GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC; Guardian Capital; GCMH

Headquarters

Honolulu, HI

Collects

accounts owed to Hawaii businesses

Phone numbers it lists

(808) 948-9309, (808) 242-9771

Website

gcmhawaii.com

17 debt collection complaints were sent to the Consumer Financial Protection Bureau about GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Guardian Capital Management Hawaii?

Guardian Capital Management Hawaii (GCMH) is a collection agency that says it has helped Hawaii businesses recover overdue accounts since 2006. It has two offices: one at 1164 Bishop Street, Suite 805, in Honolulu on Oahu, reachable at (808) 948-9309, and one at 840 Alua Street, Suite 201, in Wailuku on Maui, reachable at (808) 242-9771. The website has separate payment and client portals for GCMH (Oahu) and "MCS" (Maui).

GCMH says it serves a wide range of industries statewide and undergoes an annual SOC/SSAE-16 Type II audit of its controls. We did not find a CFPB enforcement action against Guardian Capital Management Hawaii.

Why Guardian Capital Management Hawaii May Be Contacting You

The agency's site does not name particular clients or industries; it describes itself as a full-service agency for Hawaii businesses of all sizes. It says that once an account is placed, it handles collection contacts, reports information to the credit bureaus, and files suit where appropriate. A letter from GCMH therefore means a Hawaii business, possibly one you dealt with on Oahu or Maui, has turned an unpaid account over to it. If you used the Maui office's portal, you may see the "MCS" name on its payment pages.

Because the creditor isn't obvious from the agency's name, the original creditor listed in the notice is the key fact to confirm.

How to Check a Debt Guardian Capital Management Hawaii Says You Owe

• Identify the business. The validation notice must name the creditor, give an itemization date and show how the balance changed since then (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period if you don't recognize the account or the amount, and request the contract or invoices. See how to dispute a debt.
• Check your credit reports for a GCMH tradeline and make sure the balance and dates match what the agency told you.
• Ask whether a lawsuit is pending, and if one is, look up the case in the Hawaii courts' records rather than relying on a phone call.
• Look at how old the debt is. If you now live in Texas and are sued there, most debt claims must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Hawaii applies its own limitation periods.

What Guardian Capital Management Hawaii Can and Can't Do

A collection agency that collects consumer debts for businesses is a "debt collector" under 15 U.S.C. § 1692a(6). Debts owed by a business rather than an individual are outside the FDCPA, but personal accounts are covered.

• It may not report information it knows or should know is false, and it must note a dispute if it reports a debt you have disputed (15 U.S.C. § 1692e(8)).
• It may not threaten suit unless it actually intends to file (15 U.S.C. § 1692e(5)).
• It may not call you at work if it knows your employer doesn't allow such calls (15 U.S.C. § 1692c(a)(3)).
• Reg F's limit of seven calls in seven days per debt applies (12 C.F.R. § 1006.14(b)(2)).

If you live in Texas and GCMH's collection seemed improper, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Guardian Capital Management Hawaii or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Guardian Capital Management Hawaii: home page
• Guardian Capital Management Hawaii: About
• Guardian Capital Management Hawaii: Contact
• CFPB enforcement actions list (checked pages 1-17)
• CFPB Consumer Complaint Database: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Guardian Capital Management Hawaii has violated any law. Company details change; tell us if something here is out of date.