by Attorney Eric D. Puryear In Iowa, several laws protect consumers. One law is the Iowa Debt Collection Practices Act, which applies to creditors, debt collectors, and collection agencies and prohibits them from engaging in deceptive and abusive collection tactics. The other one is the Iowa Consumer Credit Code, which prohibits creditors from engaging in abusive collection practices.
by Attorney Eric D. Puryear Obtaining a judgment often requires significant time and effort for litigants. Unfortunately, just having a judgment does not mean immediate payment. Collection is often required.
by Attorney Eric D. Puryear When a party obtains a judgment in a civil case, that party becomes what is called a “judgment-creditor.” The party that owes the judgment, which is a debt, is a “judgment-debtor.” While a judgment-creditor may be relieved to have won a judgment, that fact alone does not equal payment in all cases.