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Iowa Debt Relief
Reduce Your Credit Card Debt By Up To Half
Pacific Debt Relief offers the only solution that significantly reduces your debt to less than you currently owe. That means you get debt-free in a fraction of the time it would take with other options.
Save thousands by lowering your debt balance and wiping away years of future interest and payments. Call today for a FREE consultation!
Professional Iowa Debt Relief Help
Iowa Debt Relief Testimonials
Indiana Better Business Bureau
Pacific Debt Relief is an A+ rated business with the BBB. We have been accredited since 2010. We have received 4.87 out of five stars based on 40 customer reviews with the BBB.
Iowa
Iowa is the center of America. Iowa has a diverse economy based on advanced manufacturing, processing, financial services, information technology, biotechnology, and green energy production. Iowa is ranked #30 for population and #34 for population density.
As of 2018, over 3.1 million people called Iowa home. Des Moines is the largest city in Iowa.
Pacific Debt Relief offers a FREE Consultation to anyone looking at debt settlement options. Our Iowa Debt Relief Program is designed to try to get you out of debt in two to four years.
Is Iowa a Community Property State?
Unfortunately, Iowa is not a community property state. Therefore your assets are not seen as equally owned by you and your spouse. Currently, there are only 10 states that are community property states. In the state of Iowa, the judge will decide which assets are shared by you and your spouse, and what the equity is for each.
There are 10 community property states in which the state sees your assets as community property are Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada,
New Mexico, and Wisconsin.
Income
Income The median state income is $56,247. As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 14.4% of Iowan children under 18 live in poverty. For residents overall, 11.8% of all people in Iowa live under the poverty level.
- Median state income: $56,247
- Minimum wage: $7.25/hour
- Children in poverty: 14.4%
- People in poverty: 11.8%
Iowa Homeowners
More than half (70%) of Iowans hold a mortgage. The median home price in Iowa is $138,600 (2018). Of course, that median price depends on the location with some areas being much higher.
- Homeowner rate: 70%
- Median home price: $138,600
Employment in Iowa
Iowa has a current unemployment rate of 2.9%. However, the underemployment rate is 7.2%. Underemployment is the percentage of civilian workers who are unemployed, employed part-time or are not seeking employment.
If this is you, we can help. Pacific Debt Relief offers Indiana debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget and explain your options.
- Unemployment: 2.9% (2018)
- Underemployment: 7.2% (2017)
Iowa Debt
Iowans carry a lot of debt. The average credit card debt is $6,696 (2018). The average student loan debt is $29,435. Iowa is in the top 10 states with lowest average mortgage debt. When you add all that debt on top of the cost of homes (rental or owned), versus the median income, it is very easy for Iowans to get into debt.
- Avg credit card debt: $6,696 (2018)
- Avg mortgage debt: $130,242 (2017)
- Avg student loan debt: $29,435 (2017)
Iowa Statute of Limitations
Iowa’s statute of limitations lays out maximum time periods that debt collectors can take action against a delinquent debt. These statutes of limitations begin on the date that your debt goes delinquent.
For debts taken out in Iowa, the following are the statutes of limitations for different types of debt.
- Oral agreements: 5 years
- Written contracts: 10 years
- Promissory notes: 10 years
- Credit cards and other revolving loans: 10 years
Iowa Debt Relief & Debt Consolidation
If you have more debt than you can pay off, Pacific Debt can help you consolidate your debt and learn to live debt free. Since 2002, we’ve settled over $200 million in debt for thousands of clients. We are a nationally top ranked debt relief company located in San Diego.
We will help you work through our proven and comprehensive debt relief program. Your certified debt relief counselor will review all your options. If debt settlement is right for you, we move forward with our debt consolidation program and work to save you money. Pacific Debt can help with most unsecured debt like credit cards, personal loans, medical bills, and repossessions.
It is not an easy process and it won’t happen overnight, but you can do it. Pacific Debt will be there every step of the way to help.
Debt Collection Laws
Iowans are protected against unscrupulous debt collectors. The federal Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive or harassing bill collection practices. In addition, the Iowa Fair Debt Collection Practices Act (IFDCPA) adds protections against more types of collectors and actions. If you are a victim of any of these actions, you may take legal action against them.
Overall, debt collectors can NOT:
- Charges more than 10% interest
- Garnish more than 25% of wages
- U se/threaten physical force or criminal tactics to harm you, your property, or your reputation
- Accusing you of committing a crime for not paying the debt
- Make/threaten to make defamatory statements to someone else
- Threaten arrest, to seize assets, or garnish wages unless actually planning to take such action
- Use obscene or profane language
- Cause you to spend money you wouldn’t otherwise have spent (ie long-distance telephone calls)
- Call you repeatedly or let your phone ring repeatedly
- Call frequently
- Contact your employer, except to verify employment or health insurance status, garnish wages or locate you
- Reveal information about debt to anyone except your spouse or your parents if a minor.
- Publicly publish your name for failing to pay
- Send a postcard or letter with revealing information on the envelope
- Claim to be someone other than a debt collector, including a governmental official
- Use stationery that appears to be from a law firm
- Charge you collection or attorney’s fees unless legally allowable
- Threaten to report you to a credit reporting agency if they have no intention of doing so
- Send a letter claiming to come from a claim, credit, audit, or legal department unless it actually is
Debt collectors must:
- Disclose caller identification
- May contact your family to locate you
- Must serve you with notice of a lawsuit if suing you
Bankruptcy Court Information
Bankruptcy is a legal action that can erase most of your debt as well as your credit history. It is not an action to take lightly. If you do, you must follow the following steps in Iowa.
Persons filing for bankruptcy must:
- Complete credit counseling within six months before filing for bankruptcy.
- Complete a financial management instructional course after filing bankruptcy.
- Complete a Bankruptcy Act Means Test to determine if you are eligible for a Chapter 7 or 13 bankruptcy
- Itemize current income sources; major financial transactions; monthly living expenses; debts (secured and unsecured); and property (all assets and possessions, not just real estate).
- Collect last 2 years of tax returns, deeds to real estate you own, car titles, and loan documents
- File for bankruptcy
- Chapter 7 bankruptcy fee is $306
- Chapter 13 bankruptcy fee is $281
- Meet with court assigned bankruptcy trustee
- Attend a Meeting of Creditors
- Confirm plan if filing for Chapter 13 bankruptcy
Iowa Cities Served by Pacific Debt
Ackley
Afton
Albert City
Alden
Allerton
Alton
Anamosa
Ankeny
Archer
Arlington
Asbury
Athelstan
Audubon
Ayrshire
Balltown
Barnum
Baxter
Beaman
Bellevue
Berkley
Bevington
Blakesburg
Bloomfield
Bondurant
Boyden
Brayton
Bristow
Brunsville
Buffalo Center
Calamus
Camanche
Carlisle
Carter Lake
Castana
Center Point
Chariton
Chatsworth
Chillicothe
Clarence
Clayton
Clemons
Clive
Coggon
College Springs
Columbus Junction
Conway
Corning
Cotter
Crawfordsville
Cromwell
Curlew
Dallas Center
Davenport
Decatur City
Defiance
Deloit
Denver
De Witt
Dike
Donnellson
Dow City
Dumont
Dunlap
Dysart
Earlville
Edgewood
Eldridge
Elk Horn
Ellston
Emerson
Estherville
Exline
Farley
Farragut
Fertile
Fontanelle
Fort Madison
Fredericksburg
Fruitland
Garden Grove
Garwin
Gilbert
Gilmore City
Goldfield
Graettinger
Grand Mound
Grant
Greeley
Grimes
Gruver
Halbur
Hancock
Hardy
Harris
Harvey
Hawarden
Hedrick
Hills
Holstein
Hospers
Hull
Ida Grove
Inwood
Ireton
Janesville
Johnston
Kamrar
Kellogg
Keomah Village
Keystone
Kirkman
Knierim
Lake City
Lake View
Lamont
La Porte City
Laurel
Leando
Lehigh
Lenox
Letts
Lime Springs
Linn Grove
Little Rock
Logan
Long Grove
Lowden
Luther
Lynnville
McClelland
Macksburg
Mallard
Manilla
Mapleton
Marcus
Marquette
Martinsburg
Massena
Maynard
Melbourne
Menlo
Middletown
Millerton
Minburn
Mitchell
Monmouth
Monticello
Moorland
Morrison
Mount Pleasant
Moville
Nashua
New Albin
New Hartford
New Providence
New Virginia
Northboro
North Washington
Numa
Ocheyedan
Okoboji
Onawa
Orient
Oskaloosa
Oto
Oxford
Packwood
Panora
Parnell
Pella
Peterson
Pisgah
Pleasanton
Plymouth
Popejoy
Prairie City
Princeton
Quasqueton
Ralston
Rathbun
Redding
Rembrandt
Riceville
Ridgeway
Riverdale
Rock Falls
Rockwell
Roland
Rossie
Rudd
Rutland
Sageville
St. Donatus
St. Paul
Sandyville
Schleswig
Seymour
Sheffield
Shell Rock
Shueyville
Silver City
Slater
Solon
Spillville
Spring Hill
Stanley
Steamboat Rock
Story City
Struble
Superior
Swea City
Templeton
Thompson
Thurman
Titonka
Treynor
Turin
Unionville
Urbandale
Van Horne
Ventura
Vining
Wahpeton
Wallingford
Washington
Waucoma
Wayland
Weldon
Wesley
West Chester
West Liberty
Westside
Wheatland
Willey
Wilton
Winthrop
Woodburn
Wyoming
Zearing
Ackworth
Agency
Albia
Alexander
Allison
Altoona
Andover
Anthon
Aredale
Armstrong
Ashton
Atkins
Aurelia
Badger
Bancroft
Bassett
Bayard
Beaver
Belmond
Bernard
Birmingham
Blanchard
Blue Grass
Boone
Braddyville
Breda
Britt
Buckeye
Burlington
Callender
Cambridge
Carpenter
Cascade
Cedar Falls
Centerville
Charles City
Chelsea
Churdan
Clarinda
Clearfield
Clermont
Clutier
Coin
Collins
Colwell
Coon Rapids
Correctionville
Coulter
Crescent
Crystal Lake
Cushing
Dana
Davis City
Decorah
Delaware
Delphos
Derby
Dexter
Dixon
Doon
Dows
Duncombe
Durango
Eagle Grove
Early
Elberon
Elgin
Elkport
Ellsworth
Emmetsburg
Evansdale
Fairbank
Farmersburg
Fayette
Floris
Forest City
Fostoria
Frederika
Galt
Garnavillo
Geneva
Gilbertville
Gladbrook
Goodell
Graf
Grand River
Granville
Greene
Grinnell
Guernsey
Hamburg
Hanlontown
Harlan
Hartford
Hastings
Hawkeye
Henderson
Hillsboro
Holy Cross
Houghton
Humboldt
Imogene
Ionia
Irwin
Jefferson
Joice
Kanawha
Kensett
Keosauqua
Kimballton
Kirkville
Knoxville
Lake Mills
Lakota
La Motte
Larchwood
Laurens
Le Claire
Leighton
Leon
Lewis
Lincoln
Lisbon
Little Sioux
Lohrville
Lorimor
Low Moor
Lu Verne
Lytton
Macedonia
Madrid
Maloy
Manly
Maquoketa
Marengo
Marshalltown
Marysville
Matlock
Maysville
Melcher-Dallas
Meriden
Miles
Millville
Minden
Mitchellville
Monona
Montour
Moravia
Moulton
Mount Sterling
Murray
Nemaha
Newell
New Liberty
New Sharon
Nichols
North Buena Vista
Northwood
Oakland
Odebolt
Olds
Onslow
Orleans
Ossian
Ottosen
Oxford Junction
Palmer
Panorama Park
Paton
Peosta
Pierson
Plainfield
Pleasant Plain
Pocahontas
Portsmouth
Prescott
Promise City
Quimby
Randalia
Raymond
Redfield
Remsen
Richland
Rinard
Riverside
Rockford
Rockwell City
Rolfe
Rowan
Runnells
Ryan
St. Ansgar
St. Lucas
Salem
Saylorville
Scranton
Shambaugh
Shelby
Shellsburg
Sibley
Sioux Center
Sloan
Somers
Spirit Lake
Springville
Stanton
Stockport
Stout
Stuart
Sutherland
Swisher
Tennant
Thor
Tiffin
Toledo
Tripoli
Udell
University Heights
Ute
Van Meter
Victor
Vinton
Walcott
Wall Lake
Washta
Waukee
Webb
Wellman
West Bend
West Des Moines
West Okoboji
West Union
Whiting
Williams
Windsor Heights
Wiota
Woodward
Yale
Zwingle
Adair
Ainsworth
Albion
Algona
Alta
Alvord
Andrew
Aplington
Arion
Arnolds Park
Aspinwall
Atlantic
Aurora
Bagley
Bankston
Batavia
Beacon
Bedford
Bennett
Bertram
Blairsburg
Blencoe
Bode
Bouton
Bradgate
Bridgewater
Bronson
Buck Grove
Burt
Calmar
Cantril
Carroll
Casey
Cedar Rapids
Central City
Charlotte
Cherokee
Cincinnati
Clarion
Clear Lake
Clinton
Coalville
Colesburg
Colo
Conesville
Coppock
Corwith
Council Bluffs
Cresco
Cumberland
Cylinder
Danbury
Dawson
Dedham
Delhi
Delta
Des Moines
Diagonal
Dolliver
Douds
Drakesville
Dundee
Durant
Earlham
East Peru
Eldon
Elkader
Elk Run Heights
Elma
Epworth
Everly
Fairfax
Farmington
Fenton
Floyd
Fort Atkinson
Franklin
Fredonia
Galva
Garner
George
Gillett Grove
Glenwood
Goose Lake
Grafton
Grandview
Gravity
Greenfield
Griswold
Guthrie Center
Hamilton
Hansell
Harper
Hartley
Havelock
Hayesville
Hepburn
Hinton
Hopkinton
Hubbard
Humeston
Independence
Iowa City
Jackson Junction
Jesup
Jolley
Kellerton
Kent
Keota
Kingsley
Kiron
Lacona
Lake Park
Lambs Grove
Lanesboro
Larrabee
Lawler
Ledyard
Leland
Le Roy
Libertyville
Linden
Liscomb
Livermore
Lone Rock
Lost Nation
Luana
Luxemburg
McCallsburg
McGregor
Magnolia
Malvern
Manning
Marathon
Marion
Martelle
Mason City
Maurice
Mechanicsville
Melrose
Merrill
Milford
Milo
Mingo
Modale
Monroe
Montrose
Morley
Mount Auburn
Mount Union
Muscatine
Neola
Newhall
New London
Newton
Nodaway
North English
Norwalk
Oakland Acres
Oelwein
Olin
Orange City
Osage
Osterdock
Ottumwa
Oyens
Palo
Parkersburg
Patterson
Perry
Pilot Mound
Plano
Pleasantville
Polk City
Postville
Preston
Protivin
Radcliffe
Randall
Readlyn
Red Oak
Renwick
Rickardsville
Ringsted
Riverton
Rock Rapids
Rodman
Rome
Rowley
Russell
Sabula
St. Anthony
St. Marys
Salix
Scarville
Searsboro
Shannon City
Sheldahl
Shenandoah
Sidney
Sioux City
Smithland
South English
Spragueville
Stacyville
Stanwood
Stockton
Stratford
Sully
Swaledale
Tabor
Terril
Thornburg
Tingley
Toronto
Truesdale
Underwood
University Park
Vail
Van Wert
Villisca
Volga
Walford
Walnut
Waterloo
Waukon
Webster
Wellsburg
West Branch
Westfield
Westphalia
Westwood
Whittemore
Williamsburg
Winfield
Woden
Woolstock
Yetter
Adel
Akron
Alburnett
Alleman
Alta Vista
Ames
Anita
Arcadia
Arispe
Arthur
Atalissa
Auburn
Avoca
Baldwin
Barnes City
Battle Creek
Beaconsfield
Belle Plaine
Benton
Bettendorf
Blairstown
Blockton
Bonaparte
Boxholm
Brandon
Brighton
Brooklyn
Buffalo
Bussey
Calumet
Carbon
Carson
Castalia
Center Junction
Centralia
Charter Oak
Chester
Clare
Clarksville
Cleghorn
Clio
Coburg
Colfax
Columbus City
Conrad
Coralville
Corydon
Craig
Creston
Cumming
Dakota City
Danville
Dayton
Deep River
Delmar
Denison
De Soto
Dickens
Donahue
Dougherty
Dubuque
Dunkerton
Dyersville
Earling
Eddyville
Eldora
Elkhart
Elliott
Ely
Essex
Exira
Fairfield
Farnhamville
Ferguson
Fonda
Fort Dodge
Fraser
Fremont
Garber
Garrison
Gibson
Gilman
Glidden
Gowrie
Grand Junction
Granger
Gray
Greenville
Grundy Center
Guttenberg
Hampton
Harcourt
Harpers Ferry
Hartwick
Haverhill
Hazleton
Hiawatha
Holland
Hornick
Hudson
Huxley
Indianola
Iowa Falls
Jamaica
Jewell Junction
Kalona
Kelley
Keokuk
Keswick
Kinross
Klemme
Ladora
Lakeside
Lamoni
Lansing
Latimer
Lawton
Le Grand
Le Mars
Lester
Lidderdale
Lineville
Littleport
Lockridge
Lone Tree
Lovilia
Lucas
Luzerne
McCausland
McIntire
Malcom
Manchester
Manson
Marble Rock
Marne
Martensdale
Masonville
Maxwell
Mediapolis
Melvin
Meservey
Millersburg
Milton
Missouri Valley
Mondamin
Montezuma
Moorhead
Morning Sun
Mount Ayr
Mount Vernon
Mystic
Nevada
New Hampton
New Market
New Vienna
Nora Springs
North Liberty
Norway
Oakville
Ogden
Ollie
Orchard
Osceola
Otho
Owasa
Pacific Junction
Panama
Park View
Paullina
Persia
Pioneer
Pleasant Hill
Plover
Pomeroy
Prairieburg
Primghar
Pulaski
Rake
Randolph
Reasnor
Reinbeck
Rhodes
Ricketts
Rippey
Robins
Rock Valley
Rodney
Rose Hill
Royal
Ruthven
Sac City
St. Charles
St. Olaf
Sanborn
Schaller
Sergeant Bluff
Sharpsburg
Sheldon
Sherrill
Sigourney
Sioux Rapids
Soldier
Spencer
Springbrook
Stanhope
State Center
Storm Lake
Strawberry Point
Sumner
Swan
Tama
Thayer
Thornton
Tipton
Traer
Truro
Union
Urbana
Valeria
Varina
Vincent
Wadena
Walker
Wapello
Waterville
Waverly
Webster City
Welton
West Burlington
Westgate
West Point
What Cheer
Whitten
Williamson
Winterset
Woodbine
Worthington
Yorktown
Disclaimer: In some states, PDR may not be able to offer our services directly due to state regulations related to debt settlement. In those instances, PDR will refer you to a reputable debt relief provider or attorney firm for assistance with your debt. We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state. The information included on this site is for educational purposes only.
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*Clients who make all their monthly program deposits pay approximately 50% of their enrolled balance before fees, or 65% to 85% including fees, over 24 to 48 months (some programs lengths can go higher). Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. Our estimates are based on prior results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. We are not a credit repair firm nor do we offer credit repair services. Our service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. We are licensed where we engage in business. NMLS # 1250953. The use of our services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S. 12-03825. Pacific Debt, Inc. is registered with the California DFPI under the CCFPL registration number 01-CCFPL-1250953-3419036.