Iowa Statute of Limitations for Debt Collection
In Iowa, the statute of limitations for debt collection is 10 years. After this period, a lawsuit based on this type of claim is generally time-barred.
Data last updated: Apr 16, 2026Key Takeaways
- Time limit: 10 years from accrual.
- Statute: Iowa Code §§ 614.1(4), 614.1(5).
- Written debts: 10 years. Oral debts: 5 years.
What are debt collection claims?
The time limit for creditors to sue on an unpaid debt. After this period, the debt is time-barred.
Details
Written debts: 10 years. Oral debts: 5 years.
General Iowa Rules
Iowa has one of the longest limitation periods for written contracts at 10 years. The discovery rule applies to personal injury and medical malpractice claims. Iowa has a 6-year statute of repose for medical malpractice.
Other Statutes of Limitations in Iowa
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in Iowa?
The statute of limitations for debt collection in Iowa is 10 years. Citation: Iowa Code §§ 614.1(4), 614.1(5).
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When does the clock start for debt collection in Iowa?
Written debts: 10 years. Oral debts: 5 years.
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Can the statute of limitations for debt collection be extended in Iowa?
In some cases, yes. Tolling provisions may apply for minors, persons with incapacity, or when the defendant is absent from the state. The discovery rule may also delay the start of the statute. Consult an attorney for your specific situation.