Debt settlement company in Iowa, Debt Consolidation program in Iowa

Debt Settlement firm in Iowa, Debt Consolidation help in Iowa, Iowa debt consolidation plan, Iowa debt settlement plan

Deciding for the right Debt settlement company or Debt consolidation program is a great way to eliminate from 40-65% of your debt and become completely debt free in 18-36 months. We at DebtorSolution can design a personalized debt settlement program or debt consolidation plan that can lower your monthly payments by almost 50% and help you avoid bankruptcy.

Our professional negotiators are experts in the laws governing both debt settlement and debt collection practices. Nevertheless, if you are considering a debt settlement program, it is important to learn as much as possible about state and federal regulations. Here is some basic information regarding debt collection for the state of Iowa.

(This information is intended for educational purposes. It was verified at the time of publication but may have changed since. This information is not intended as legal advice. If you need legal assistance, please contact a local professional.)

Debt Collection:

The Fair Debt Collection Practices Act (FDCPA) regulations debt collection practices through the United States and its territories. Its purpose is to prevent abusive collection techniques for consumer debt. For more information, please visit this link: debt collection.

If you feel that your rights as a consumer have been violated, there are several ways to place your complaint:

1. Federal Trade Commission

Contact them via telephone using the toll-free number: 1-877-FTC-HELP

Submit your complaint electronically at : https://rn.ftc.gov/pls/dod/wsolcq$.startup

Mail your complaint to :

Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580

2. State Attorney General

Iowa Attorney General
1305 E. Walnut Street
Des Moines IA 50319
Phone: 515-281-5164
Fax: 515-281-4209

Iowa Attorney General
Consumer Protection Division
1305 E. Walnut Street
Des Moines IA 50319
515-281-5926
1-888-777-4590
Fax: 515-281-6771

Iowa Attorney General
Crime Victim Assistance Division
321 E. 12th
Lucas Building, Ground Floor
Des Moines, Iowa 50319
515-281-5044
1-800-373-5044
Fax: 515-281-8199

www.iowa.gov/government/ag/

More information on debt settlement in Iowa

Recording Telephone Calls:

Recording telephone calls is highly effective in proving abusive tactics. Federal regulations stipulate that in order for a conversation to be taped only one party must give consent. Iowa state regulations also require only one party to consent to the recording.

Statute of Limitations:

The Statute of Limitations for a delinquent debt refers to the amount of time a creditor has to file a lawsuit to collect on the debt. The Statute of Limitations (SOL) is a consecutive period of time during which the account remains delinquent. Thus if a delinquent account is brought back up to date, the SOL time limit will start from zero if the account goes delinquent a second time. Please remember that the Statute of Limitations does not begin from the date of the last payment, but instead from the moment that payment was missed. The Statute of Limitation for delinquent debts in Iowa is as follows:

Written Contracts: 5 years
Oral Contracts: 10 years
Promissory Notes: 5 years
Open Accounts: 5 years

Iowa Wage Garnishment:

To know more about the best debt settlement plan, debt consolidation program in Iowa, contact us using the form at the left bottom of the page.

In Iowa, federal garnishment and exemptions apply.

Debt settlement company in Iowa, Debt Consolidation program in Iowa

Debt Settlement firm in Iowa, Debt Consolidation help in Iowa, Iowa debt consolidation plan, Iowa debt settlement plan