Iowa
Iowa Debt Collection Laws: Garnishment Limits, the Right to Cure, and Debt Deadlines
Independently fact-checked against primary sources (last audited August 12, 2026). · 8 primary sources cited on this page. How we verify our legal content
No creditor in Iowa can start taking money out of your paycheck simply because a bill is unpaid. Outside of support orders, tax debts, and federally administered student loan garnishment, a creditor must first sue you, win a judgment, and then get a garnishment order from the court. Most garnishments follow a default judgment entered because the person being sued never answered the lawsuit, which makes answering the summons the single most valuable step available to an Iowa debtor. Iowa also stands out for a genuine, rarely-seen protection: for financed purchases, a creditor generally has to warn you and give you a chance to catch up before repossessing anything.
How Wage Garnishment Works in Iowa
Iowa runs two garnishment limits at the same time. Iowa Code 642.21 starts from the federal Consumer Credit Protection Act baseline and layers an Iowa-specific annual dollar cap on top of it, set per judgment creditor per calendar year based on the debtor's expected annual earnings: $250 for earnings under $12,000; $400 for $12,000 to $15,999; $800 for $16,000 to $23,999; $1,500 for $24,000 to $34,999; $2,000 for $35,000 to $49,999; and 10% of expected earnings at $50,000 or more. Expected earnings are determined from the answers taken by the sheriff or court when the garnishment is served. Support obligations under chapter 252D and sections 598.22, 598.23, and 627.12 are excepted from this annual cap.
A second statute adds a stricter weekly floor for consumer credit transactions specifically. Iowa Code 537.5105 caps garnishment on a consumer-credit judgment at the lesser of 25% of disposable earnings for the week, or the amount by which disposable earnings exceed 40 times the federal minimum hourly wage, which works out to a $290-a-week protected floor at the current $7.25 federal rate, stricter than the $217.50 floor the standard federal 30x multiple would produce. The statute also gives a hardship route: after judgment on a consumer credit transaction, a debtor can file a verified application asking the court to exempt a greater portion, or all, of their earnings, and the court must set a hearing within 5 to 10 days, applying a standard of what is necessary for the maintenance of the debtor or a family supported by those earnings.
Iowa has no head-of-household wage exemption as such. A related but different provision, Iowa Code 539.4, voids a wage assignment (a voluntary instrument, not a court garnishment) by the head of a family unless it is a written instrument, signed and jointly acknowledged by both spouses if married, and accepted in writing by the employer.
Firing protection in Iowa goes beyond the federal floor. Iowa Code 642.21(2)(c) bars an employer from discharging an employee because the employee's earnings were subject to garnishment for indebtedness, without limiting that protection to a single debt the way federal law does. State tax debt does not travel this judgment-and-garnishment route at all, and the levy percentage the Iowa Department of Revenue applies is not stated here; confirm the current figure with the Department of Revenue before relying on it.
Bank Accounts and Exempt Property
Iowa Code 627.6(14) protects $1,000, aggregated across cash on hand, bank deposits, credit union share drafts, or other deposits, and other personal property, as a general wildcard exemption. It works both ways: it protects that $1,000 from an ordinary creditor execution, and it is also available in a bankruptcy case, because Iowa Code 627.10 bars an Iowa filer from electing the federal exemption menu in 11 U.S.C. 522(d), which leaves chapter 627 as the exemption set an Iowa debtor uses in bankruptcy. Iowa Code 627.6(10) is a separate, additional $1,000 covering accrued wages and state and federal tax refunds as of the filing date, and that one applies only in the event of a bankruptcy proceeding. Iowa Code 627.6(8) exempts Social Security, unemployment, public assistance, veteran's, and disability benefits outright, and 627.6(9) exempts one motor vehicle up to $7,000 in value.
How Long Can You Be Sued: Iowa's Statute of Limitations
Iowa Code 614.1 sets Iowa's core debt deadlines: 10 years for actions founded on written contracts, under 614.1(5)(a), and 5 years for actions founded on unwritten contracts, under 614.1(4). An open account carries the 5-year unwritten period, with accrual measured from the date of the last item in the account under Iowa Code 614.5, rather than a fixed date at account opening. Which of those two periods governs a credit card account is not settled on the face of the statute, since a card agreement can be argued either as a written contract or as an open account, so do not assume a single deadline applies to a card debt without checking how Iowa courts have treated the specific agreement.
Iowa made the same non-uniform choice on promissory notes that a few other states have made: Iowa Code 554.3118, Iowa's version of the Uniform Commercial Code negotiable-instruments accrual section, sets only accrual rules, not a separate limitations period, so Iowa did not enact the UCC's usual 6-year note deadline. Ordinary promissory notes instead fall under the general 10-year written-contract period in 614.1(5), using 554.3118 only to determine when the clock starts.
Iowa sits on the strict end of the revival spectrum. Under Iowa Code 614.11, a cause of action founded on contract is revived by a written admission, signed by the party to be charged, that the debt remains unpaid, or by an equivalent new promise to pay. A bare partial payment, without a signed writing, is not listed as reviving the debt on its own, which puts Iowa on the same writing-only track as Florida rather than the payment-alone track some neighboring states use. Court judgments carry a 20-year deadline under 614.1(6), and there is no time limit on enforcing child or spousal support judgments. For deadlines on other kinds of Iowa claims, see the Iowa statute of limitations guide.
Rules Debt Collectors Must Follow
Third-party collectors working Iowa debts are bound by the federal Fair Debt Collection Practices Act: no harassment, no false statements about what they can legally do, no contact at unreasonable hours, and validation information on first contact. Under Regulation F, 12 CFR 1006.26, a debt collector must not sue or threaten to sue on a time-barred debt, though asking for voluntary payment remains legal. Because a signed writing, not a bare payment, is what revives an old Iowa debt, be careful about what you sign, not just what you pay.
Federal law is only half the picture in Iowa. Article 7 of the Iowa Consumer Credit Code carries its own name, the Iowa Debt Collection Practices Act, under Iowa Code 537.7101, and Iowa Code 537.7103 sets out in detail what a debt collector may not do. It bars collection by illegal threat or coercion, and it names as an illegal threat the false claim that nonpayment may result in the arrest of a person or in the seizure, garnishment, attachment, or sale of that person's property or wages. It bars oppression, harassment, and abuse, listing profane or abusive language, telephone calls placed without disclosing the name of the business the collector represents, and causing a telephone to ring or engaging someone in conversation repeatedly, continuously, or at hours known to be inconvenient with intent to annoy, harass, or threaten.
The same section restricts who else can be told about your debt. A collector generally may not communicate or imply the fact of a debt to anyone other than you or a person who might reasonably be expected to be liable for it, and posting lists of indebted persons is prohibited outright, with narrow carve-outs for credit reporting, locating a debtor who has moved, and tightly limited employer contact. A further subsection bars fraudulent, deceptive, or misleading practices, including communications designed to look like court documents and claims that attorney or service fees can be added to a debt when they legally cannot.
Those prohibitions come with a remedy you can use yourself. Iowa Code 537.5201(1)(a) gives a consumer a cause of action to recover actual damages, plus a penalty set by the court of not less than $100 and not more than $1,000, for violations that include the debt collection practices barred by 537.7103. If you win, the court is required to award your costs and reasonable attorney fees. The deadlines are short: for open-end credit, no action may be brought more than two years after the violation, and for other consumer credit transactions, no more than one year after the due date of the last scheduled payment under the agreement. There is also a state enforcement route, since the administrator of the Iowa Consumer Credit Code is the attorney general or the attorney general's designee under Iowa Code 537.6103, which makes the Iowa Attorney General's office the place to send a complaint about collector conduct.
A Real Right to Cure Before Repossession
Iowa follows the standard UCC self-help rule for repossession at Iowa Code 554.9609: after default, a secured party may take possession without judicial process as long as it proceeds without breach of the peace. What makes Iowa distinctive is what comes before that. Under the Iowa Consumer Credit Code, sections 537.5110 and 537.5111, a creditor in a consumer credit transaction must send a notice of the right to cure before commencing a lawsuit and before repossessing collateral, other than a voluntary surrender. The creditor may not accelerate the debt or take possession until 20 days after proper notice, and curing means tendering all unpaid installments due, without acceleration, plus any delinquency or deferral charges. A proper cure restores the consumer's rights as though the default never happened, with one exception: curing does not reinstate a closed credit-card account.
That cure right is not unlimited. It does not apply again within 365 days of a prior default for which a proper cure notice was already given on the same obligation, and it does not apply if the consumer voluntarily surrendered the collateral and the creditor accepted it in full satisfaction of the debt. If a creditor sues without giving the required notice, the suit is subject to dismissal without prejudice.
If You Are Being Garnished or Sued in Iowa
Start with the paperwork. If you were served with a lawsuit, answer it before the deadline even with a simple denial, because a default judgment forfeits every defense, including an expired statute of limitations. If a garnishment has already started on a consumer debt, check both the annual dollar cap under 642.21 and the weekly 25%/40x floor under 537.5105, and consider filing the hardship application if either figure leaves you unable to cover necessities. If a car loan is behind, ask whether you received the 537.5111 notice of right to cure before assuming repossession is imminent; you may have 20 days to catch up. If a collector threatened you with arrest, called at all hours, or told a neighbor about the debt, write down the dates and what was said, because 537.7103 makes that conduct actionable under 537.5201. If the debt is old, do not sign anything without checking the dates first, since only a signed writing revives an expired Iowa debt. When judgments and garnishments have stacked up faster than a budget can absorb, bankruptcy's automatic stay stops wage garnishment immediately, and a structured guide to stopping wage garnishment walks through the options in order.
Overwhelmed by debt? Get a free bankruptcy consultation
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Information last verified on 2026-08-12. This article has not yet been reviewed by a licensed lawyer.
Related Resources
- Debt Collection Laws by State
- Statute of Limitations on Debt
- How to Stop Wage Garnishment
- Car Repossession Laws
- Iowa Statute of Limitations
- Iowa Bankruptcy Laws
Last updated: 2026-08-12.
More Iowa Laws
Frequently Asked Questions
How much of my paycheck can be garnished in Iowa?
For a consumer credit debt, the lesser of 25% of disposable earnings or the amount exceeding 40 times the federal minimum wage ($290 a week), under Iowa Code 537.5105. Iowa Code 642.21 also caps the total per creditor per calendar year, with the cap rising from $250 to 10% of earnings depending on how much you make.
Does Iowa require notice before repossessing a car?
Yes, for consumer credit transactions. Under Iowa Code 537.5110 and 537.5111, the creditor must send a notice of the right to cure and wait 20 days before repossessing or suing, unless you already used that right on a prior default within the past 365 days.
What is the statute of limitations on debt in Iowa?
10 years for a written contract and 5 years for an unwritten contract or open account, under Iowa Code 614.1. Iowa did not adopt the UCC's usual 6-year note deadline, so promissory notes also fall under the 10-year written-contract period.
Does making a payment restart the clock on old debt in Iowa?
Not by itself. Iowa Code 614.11 requires a written, signed admission or new promise to revive a time-barred debt. A bare partial payment without a signed writing is not listed in the statute as reviving the debt on its own.
Can I be fired for having my wages garnished in Iowa?
No. Iowa Code 642.21(2)(c) bars an employer from discharging an employee over garnishment for indebtedness, without limiting that protection to a single debt, which is broader than the federal one-debt rule.
How much money in my bank account is protected from creditors in Iowa?
Iowa Code 627.6(14) protects $1,000 in cash, bank deposits, and other personal property as a general wildcard, and it applies both outside bankruptcy and inside a bankruptcy case. Social Security, unemployment, and disability benefits are separately exempt without a dollar limit under 627.6(8).
Does Iowa have its own debt collection law, or only the federal FDCPA?
Iowa has its own. Article 7 of the Iowa Consumer Credit Code is the Iowa Debt Collection Practices Act (Iowa Code 537.7101). Iowa Code 537.7103 bars illegal threats such as a false claim that nonpayment can lead to arrest or seizure of your wages, bars harassing or anonymous calls, and bars disclosing the debt to third parties. Under Iowa Code 537.5201 you can sue for actual damages plus a court-set penalty of $100 to $1,000, with costs and attorney fees, and you can complain to the Iowa Attorney General, who serves as the administrator of the Iowa Consumer Credit Code.
Updates
Added Iowa's own debt collection statute, the Iowa Debt Collection Practices Act, with the conduct it prohibits and the damages, penalty and attorney fees a consumer can recover; corrected the bank-account wildcard exemption to show it applies both outside and inside bankruptcy.
Independently fact-checked against the cited primary sources
The Law Behind This Article
This article rests on the statutory provisions below, held in our own legal record and retrieved from the official source. Tap a section to read the operative text.
Iowa Code, Chapter 642: GARNISHMENT
§ 642.21Exemption from net earnings.In force
1. The disposable earnings of an individual are exempt from garnishment to the extent provided by the federal Consumer Credit Protection Act, Tit. III, 15 U.S.C. §1671 – 1677 (1982). The maximum amount of an employee’s earnings which may be garnished during any one calendar year is two hundred fifty dollars for each judgment creditor, except as provided in chapter 252D and sections 598.22, 598.23, and 627.12, or when those earnings are reasonably expected to be in excess of twelve thousand dollars for that calendar year as determined from the answers taken by the sheriff or by the court pursuant to section 642.5, subsection 1, question number four. When the employee’s earnings are reasonably expected to be more than twelve thousand dollars, the maximum amount of those earnings which may be garnished during a calendar year for each creditor is as follows: a. Employees with expected earnings of twelve thousand dollars or more, but less than sixteen thousand dollars, not more than four hundred dollars may be garnished. b.
Official text (excerpt) · last checked 2026-09-02 · Read the full text in our law library · Verify at legis.iowa.gov
Cited in 22 court opinions in our collectionLatest citing opinion in our collection: 2026
In the courts (editorial summary, independently checked):MidAmerica Savings Bank v. Miehe (1989) held that earnings exempt under Section 642.21 stay exempt once deposited in a bank account, if traced to wages received within ninety days before the levy. Benson v. Richardson (1995) applied that tracing rule and subsection 1(e), treating ten percent of a high earner's wages as reachable.
Opinions citing this section in our collection:
- Benson v. Richardson (Supreme Court of Iowa 1995, 537 N.W.2d 748)✓Three days after a $1 million federal judgment, a surgeon began depositing his pay in his wife's account and paid off her mortgage; the court held earnings kept in another's account stay exempt under section 642.21 only 90 days, and 10 percent of his pay was never exempt.
- MidAmerica Savings Bank v. Miehe (Supreme Court of Iowa 1989, 438 N.W.2d 837)✓A sheriff garnished a debtor's $9,473 bank account after a mortgage deficiency judgment, and the parties stipulated the funds were his wages; the court held earnings exempt under section 642.21 stay exempt once deposited if traced to wages received within 90 days of the levy.
- In Re the Marriage of Eklofe (Supreme Court of Iowa 1998, 586 N.W.2d 357)✓An ex-wife garnished wages to collect $30,200 of overdue alimony from a man expecting about $23,500 that year; the court held section 642.21's annual cap does apply because alimony is not among the statute's listed exceptions, and remanded to limit the garnishment.
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Iowa Code, Chapter 537: CONSUMER CREDIT CODE
§ 537.5105Limitation on garnishment.In force
1. For the purposes of this part: a. “Disposable earnings” means that part of the earnings of an individual remaining after the deduction from those earnings of amounts required by law to be withheld or assigned. b. “Garnishment” means any legal or equitable procedure through which the earnings of an individual are required to be withheld for payment of a debt. 2. a. In addition to the provisions of section 642.21, the maximum part of the aggregate disposable earnings of an individual for any workweek which is subjected to garnishment to enforce payment of a judgment arising from a consumer credit transaction may not exceed the lesser of twenty-five percent of the individual’s disposable earnings for that week, or the amount by which the individual’s disposable earnings for that week exceed forty times the federal minimum hourly wage prescribed by the Fair Labor Standards Act of 1938, 29 U.S.C. §206(a)(1), in effect at the time the earnings are payable. b. In the case of earnings for a pay period other than a week, the administrator shall prescribe by rule a multiple of the federal minimum hourly wage equivalent in effect to that set forth for a pay period of a week. 3.
Official text (excerpt) · last checked 2026-07-29 · Read the full text in our law library · Verify at legis.iowa.gov
§ 537.5110Cure of default.In force
1. Notwithstanding any term or agreement to the contrary, the obligation of a consumer in a consumer credit transaction is enforceable by a creditor only after compliance with this section, except that in a consumer rental purchase agreement, default is governed by section 537.3618. 2. a. A creditor who believes in good faith that a consumer is in default may give the consumer written notice of the alleged default, and, if the consumer has a right to cure the default, shall give the consumer the notice of right to cure provided in section 537.5111 before commencing any legal action in any court on an obligation of the consumer and before repossessing collateral. However, this subsection and subsection 4 do not require a creditor to give notice of right to cure prior to the filing of a petition by a creditor seeking to enforce the consumer’s obligation in which attachment under chapter 639 is sought upon any of the grounds specified in section 639.3, subsections 3 through 12. b.
Official text (excerpt) · last checked 2026-07-29 · Read the full text in our law library · Verify at legis.iowa.gov
Iowa Code, Chapter 614: LIMITATIONS OF ACTIONS
§ 614.1Period.In forcecited in 13 of our articles
Actions may be brought within the times limited as follows, respectively, after their causes accrue, and not afterwards, except when otherwise specially declared: 1. Penalties or forfeitures under ordinance. Those to enforce the payment of a penalty or forfeiture under an ordinance, within one year. 2. Injuries to person or reputation — relative rights — statute penalty. Those founded on injuries to the person or reputation, including injuries to relative rights, whether based on contract or tort, or for a statute penalty, within two years. 2A. With respect to products. a.
Official text (excerpt) · last checked 2026-09-08 · Read the full text in our law library · Verify at legis.iowa.gov
Cited in 459 court opinions in our collectionLatest citing opinion in our collection: 2026
In the courts (editorial summary, independently checked):Iowa courts pick the subsection by the nature of the right sued upon. Sandbulte v. Farm Bureau Mutual Insurance Co. (1984) applied the five-year unwritten-contract period of 614.1(4), not the two-year injury period, to an insurer bad-faith claim. Rathje v. Mercy Hospital (2008) read 614.1(9)(a) to run from knowledge of injury and cause.
Opinions citing this section in our collection:
- Sandbulte v. Farm Bureau Mutual Insurance Co. (Supreme Court of Iowa 1984, 343 N.W.2d 457)✓Insureds sued their carrier for bad faith failure to defend and for failing to advise on adequate coverage; the Iowa Supreme Court held both claims rested on implied contracts, so the five-year period of section 614.1(4) applied, not the two-year period of 614.1(2).
- Miller v. Boone County Hospital (Supreme Court of Iowa 1986, 394 N.W.2d 776)✓A mother sued a county hospital nearly two years after its staff allegedly gave negligent advice about her feverish infant; the Iowa Supreme Court struck the 60-day notice rule of section 613A.5 on equal protection grounds and held chapter 614 supplies the limitation period.
- Hamm v. Allied Mutual Insurance Co. (Supreme Court of Iowa 2000, 612 N.W.2d 775)✓After settling with an underinsured driver, insureds sued their own carrier for underinsured motorist benefits; the Iowa Supreme Court held the policy set no limitation period of its own, so section 614.1(5)'s ten-year contract period ran from the insurer's denial.
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Iowa Dog Bite Laws: Liability and Victim Rights, Iowa Defamation Laws: Libel, Slander & Suing (2026), Motorcycle Accident Laws in Iowa (2026): Deadlines & Helmets
§ 614.11Admission in writing — new promise.In force
Causes of action founded on contract are revived by an admission in writing, signed by the party to be charged, that the debt is unpaid, or by a like new promise to pay the same.
Official text (excerpt) · last checked 2026-07-29 · Read the full text in our law library · Verify at legis.iowa.gov
Iowa Code, Chapter 627: EXEMPTIONS
§ 627.6General exemptions.In forcecited in 2 of our articles
A debtor who is a resident of this state may hold exempt from execution the following property: 1. The debtor’s interest in: a. Any wedding or engagement ring owned or received by the debtor or the debtor’s dependents. However, any interest acquired in one or more wedding or engagement rings owned or received by the debtor or the debtor’s dependents after the date of marriage and within two years of the date the execution is issued or an exemption is claimed shall not exceed a value equal to seven thousand dollars in the aggregate minus the amount claimed by the debtor for any other jewelry claimed in paragraph “b”. b. All jewelry of the debtor and the debtor’s dependents owned or received by the debtor or the debtor’s dependents, not to exceed in value two thousand dollars in the aggregate. 2. One shotgun, and either one rifle or one musket. 3. Private libraries, family bibles, portraits, pictures and paintings not to exceed in value one thousand dollars in the aggregate. 4. An interment space or an interest in a public or private burying ground, not exceeding one acre for any defendant. 5.
Official text (excerpt) · last checked 2026-07-29 · Read the full text in our law library · Verify at legis.iowa.gov
Cited in 145 court opinions in our collectionLatest citing opinion in our collection: 2026
Opinions citing this section in our collection:
- Smith-Porter v. Iowa Department of Human Services (Supreme Court of Iowa 1999, 590 N.W.2d 541)“…The question is whether the disability benefit exemption of Iowa Code section 627.6(8)(c) applies in this situation to prot…”
- Deblois v. Department of the Treasury/Internal Revenue Service (Supreme Court of Iowa 1995, 531 N.W.2d 128)“…and [the department] under the last unnumbered paragraph of Iowa Code section 627.6(6).” By its ruling the court rej…”
- Muff Corp. v. Paige (Court of Appeals of Iowa 2022)“…inherited IRAs are not exempt from Paige’s creditors under Iowa Code section 627.6(8)(f) (2018). Because inherited IRAs a…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Bankruptcy in Iowa (2026): Exemptions & Means Test
Iowa Code, Chapter 554: UNIFORM COMMERCIAL CODE
§ 554.9609Secured party’s right to take possession after default.In force
1. Possession — rendering equipment unusable — disposition on debtor’s premises. After default, a secured party: a. may take possession of the collateral; and b. without removal, may render equipment unusable and dispose of collateral on a debtor’s premises under section 554.9610. 2. Judicial and nonjudicial process. A secured party may proceed under subsection 1: a. pursuant to judicial process; or b. without judicial process, if it proceeds without breach of the peace. 3. Assembly of collateral. If so agreed, and in any event after default, a secured party may require the debtor to assemble the collateral and make it available to the secured party at a place to be designated by the secured party which is reasonably convenient to both parties.
Official text (excerpt) · last checked 2026-07-29 · Read the full text in our law library · Verify at legis.iowa.gov
Code of Federal Regulations Title 12
§ 1006.26Collection of time-barred debts.In forcecited in 37 of our articles
(a) Definitions. For purposes of this section: (1) Statute of limitations means the period prescribed by applicable law for bringing a legal action against the consumer to collect a debt. (2) Time-barred debt means a debt for which the applicable statute of limitations has expired. (b) Legal actions and threats of legal actions prohibited. A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time-barred debt. This paragraph (b) does not apply to proofs of claim filed in connection with a bankruptcy proceeding.
Official text (excerpt) · last checked 2026-09-02 · Read the full text in our law library · Verify at ecfr.gov
Cited in 3 court opinions in our collectionLatest citing opinion in our collection: 2025
In the courts (editorial summary, independently checked):Hanover v. Real Time Resolutions, Inc. (2024) dismissed FDCPA claims built on 12 CFR 1006.26(b), reasoning it bars only collection of time-barred debts and the loans at issue were not time barred. Raja v. Specialized Loan Servicing, LLC (2025) dismissed a Regulation F claim because nonjudicial foreclosure is not covered by the FDCPA.
Opinions citing this section in our collection:
- Hanover v. Real Time Resolutions, Inc. (District Court, S.D. Ohio 2024)✓A borrower claimed a servicer's letter and billing statement lacked language required by 12 CFR 1006.26(b); the court granted the servicer summary judgment, since the rule only bars collecting time-barred debts and it had already found her HELOC and mortgage enforceable.
- Raja v. Specialized Loan Servicing, LLC (District Court, E.D. Virginia 2025)✓Pro se homeowners alleged a servicer and foreclosure attorneys pursued a time-barred, discharged second mortgage in violation of 12 CFR 1006.26(b); the court dismissed that claim, holding parties carrying out a nonjudicial foreclosure are not FDCPA debt collectors.
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Idaho Debt Collection Laws: Garnishment Limits, Debt Deadlines, and Repossession, Maine Debt Collection Laws: Wage Garnishment, Statute of Limitations, and Repossession, Michigan Debt Collection Laws: Wage Garnishment, Statute of Limitations, and Repossession
Search our full record of US law — 2.1 million sections, every state + federal →
Sources and References
- Iowa Code 642.21, Exemption of Earnings from Garnishment(legis.iowa.gov).gov
- Iowa Code 537.5105, Restriction on Garnishment (Iowa Consumer Credit Code)(legis.iowa.gov).gov
- Iowa Code 627.6, Exempt Personal Property(legis.iowa.gov).gov
- Iowa Code 614.1, Period for Commencement of Actions(legis.iowa.gov).gov
- Iowa Code 614.11, Revival of Actions(legis.iowa.gov).gov
- Iowa Code 554.9609, Secured Party's Right to Take Possession After Default(legis.iowa.gov).gov
- Iowa Code 537.5110, Limitation on Default Judgment; Notice of Right to Cure(legis.iowa.gov).gov
- 12 CFR 1006.26, Collection of Time-Barred Debts (Regulation F)(ecfr.gov).gov
- Iowa Code 537.7101, Short Title (Iowa Debt Collection Practices Act)(legis.iowa.gov)
- Iowa Code 537.7103, Prohibited Debt Collection Practices(legis.iowa.gov)
- Iowa Code 537.5201, Effect of Violations on Rights of Parties(legis.iowa.gov)
- Iowa Code 537.6103, Administrator (Iowa Consumer Credit Code)(legis.iowa.gov)
- Iowa Code 627.10, Bankruptcy Exemption (opt-out from 11 U.S.C. 522(d))(legis.iowa.gov)