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All states/Iowa/Medical Debt
IA Medical Debt

Iowa Medical Debt Laws

Everything you need to know about medical debt in Iowa: SOL is 5 years, garnishment capped at 25% of disposable earnings, and 2 state-specific protections apply.

5 years

SOL (open/revolving accounts)

$2,459

Avg medical debt

25% of disposable earnings

Garnishment cap

How to Dispute Medical Debt in Iowa

1
Request itemized bill with CPT codes
2
Check for No Surprises Act violations
3
Apply for hospital financial assistance
4
Dispute errors line by line
5
Negotiate — hospitals accept 40-60% routinely

Iowa State Law

Iowa Debt Collection Practices Act

File complaints: AG Consumer Protection

Relevant Federal Laws

  • FDCPA (15 USC 1692)
  • FCRA (15 USC 1681)
  • FTC Act 5
  • CFPB Reg F

Iowa Consumer Protections

State FDCPA applies to original creditors
10-year SOL on written contracts

Medical Debt Tips for Iowa Residents

ALWAYS get an itemized bill before paying
Nonprofit hospitals must offer financial assistance
Medical debt has 365-day credit reporting grace period

Dispute Medical Debt in Iowa

DebtShield generates AI dispute letters that cite Iowa law (Iowa Debt Collection Practices Act) and federal FDCPA protections.

Generate Iowa Medical Debt Dispute Letter