32 P.3d 52 CHARLES F. SCHEFKE, Plaintiff-Appellee/Cross-Appellant v. RELIABLE COLLECTION AGENCY, LTD., PACIFIC MEDICAL COLLECTIONS, INC., Defendants-Appellants/Cross-Appellees and JONATHAN KIRSCHNER, FRED KIRSCHNER, Defendants-Cross-Appellees and JOHN DOES 1-10, Defendants. No. 21827Supreme Court of Hawaii. September 21, 2001. As Amended October 11, 2001. Page 409 [EDITORS’ NOTE: THIS PAGE CONTAINS HEADNOTES. HEADNOTES ARE NOT AN OFFICIAL PRODUCT […]