Get Debt Relief

Credit Card Debt $

Debt Relief

Debt Relief Guide

View All

Debt Consolidation Advisors

You can search our directory or Debt Advisors.


or 

Iowa Debt Relief Laws

Iowa Code Sections 537.7101 to 537.7103 mirror the Fair Debt Collection Practices Act (FDCPA), which includes rules such as:

  • Collectors cannot trick you into paying for collect calls or telegrams
  • Debt collectors cannot threaten and misrepresent who they are or what their company does
  • Collectors cannot send correspondence in postcard form and can only display the agency’s name and address on the envelope
  • You cannot be charged additional fees from a collector for your debt
  • Collectors cannot publish or post your name
  • If you are being represented by an attorney, the collector or agency must work through that attorney and not you
  • You can only be contacted by a collector between 8am and 9pm (unless you’ve agreed to another time)
  • You have up to 30 days to dispute a debt--once the written dispute is set in motion the collector cannot contact you until it provides you with documentation

Consumers in Iowa have the right to sue a debt collection agency if it violates the law. You can receive up to $1,000 in damages for a successful lawsuit, which covers attorney fees and actual expenses.

Iowa Statue of Limitations (SOL)

Iowa has a five-year statue of limitation (SOL) on open accounts such as credit cards. For written contracts creditors can pursue you for up to 10 years.

In Iowa, the only way creditors can collect unpaid debt is through wage garnishment. Federal law applies in terms of exemptions and non exemptions:

  • Social Security is protected under federal law
  • Pensions and retirement benefits--Iowa protects pensions from not only police, fire and state workers, but also private pensions are protected
  • Public benefits/assistance-- almost every public assistance type is protected in Iowa such as workers’ compensation, unemployment, aid to families with dependent children and disability
  • Although some insurance and disability benefits are protected, Iowa only allows for protection up to a certain dollar amount

Iowa Credit Card Debt Relief Act of 2010

The Iowa Credit Card Debt Relief Act of 2010 has streamlined the methods for repaying debt and regulated how collectors work with debtors. The Act has impacted debt relief collections several ways:

  • The number of fraudulent or weak performing credit card companies are gone
  • Reduces the chances of falling victim to fraudulent debt settlement companies due to new Federal Trade Commission (FTC) reforms
  • Increased, open communication from creditors--more information is provided to help you eliminate your loans
  • Debt settlement companies cannot request upfront fees from clients

More About Debt Relief

Iowa Debt Relief by County
Adair Debt Relief Davis Debt Relief Jefferson Debt Relief Pocahontas Debt Relief
Adams Debt Relief Decatur Debt Relief Johnson Debt Relief Polk Debt Relief
Allamakee Debt Relief Delaware Debt Relief Jones Debt Relief Pottawattamie Debt Relief
Appanoose Debt Relief Des Moines Debt Relief Keokuk Debt Relief Poweshiek Debt Relief
Audubon Debt Relief Dickinson Debt Relief Kossuth Debt Relief Ringgold Debt Relief
Benton Debt Relief Dubuque Debt Relief Lee Debt Relief Sac Debt Relief
Black Hawk Debt Relief Emmet Debt Relief Linn Debt Relief Scott Debt Relief
Boone Debt Relief Fayette Debt Relief Louisa Debt Relief Shelby Debt Relief
Bremer Debt Relief Floyd Debt Relief Lucas Debt Relief Sioux Debt Relief
Buchanan Debt Relief Franklin Debt Relief Lyon Debt Relief Story Debt Relief
Buena Vista Debt Relief Fremont Debt Relief Madison Debt Relief Tama Debt Relief
Butler Debt Relief Greene Debt Relief Mahaska Debt Relief Taylor Debt Relief
Calhoun Debt Relief Grundy Debt Relief Marion Debt Relief Union Debt Relief
Carroll Debt Relief Guthrie Debt Relief Marshall Debt Relief Van Buren Debt Relief
Cass Debt Relief Hamilton Debt Relief Mills Debt Relief Wapello Debt Relief
Cedar Debt Relief Hancock Debt Relief Mitchell Debt Relief Warren Debt Relief
Cerro Gordo Debt Relief Hardin Debt Relief Monona Debt Relief Washington Debt Relief
Cherokee Debt Relief Harrison Debt Relief Monroe Debt Relief Wayne Debt Relief
Chickasaw Debt Relief Henry Debt Relief Montgomery Debt Relief Webster Debt Relief
Clarke Debt Relief Howard Debt Relief Muscatine Debt Relief Winnebago Debt Relief
Clay Debt Relief Humboldt Debt Relief Obrien Debt Relief Winneshiek Debt Relief
Clayton Debt Relief Ida Debt Relief Osceola Debt Relief Woodbury Debt Relief
Clinton Debt Relief Iowa Debt Relief Page Debt Relief Worth Debt Relief
Crawford Debt Relief Jackson Debt Relief Palo Alto Debt Relief Wright Debt Relief
Dallas Debt Relief Jasper Debt Relief Plymouth Debt Relief
About Us |Terms of Use | Privacy Policy | Contact Us
Debt Settlement | Debt Management
Copyright © 2024 GetDebtRelief.com™ is a subsidiary of SiteTools, Inc. - All Rights Reserved.
TRUSTe - Click to Verify Better Business Bureau - Click to Verify Verisign Secured - Click to Verify