The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Debt Collection Laws
Applicable Laws
- FDCPA
- Iowa Debt Collection Practices Act - Iowa Code § 537.7101
Small Claims Limit
$6,500
Consumer Protection Agency
Iowa AG / CFPB
Polk County Debt Collection Resources
Local Court Information
Polk Small Claims Court
Filing Fee: $85-$190
Local Consumer Protection
Iowa AG / CFPB
Serving: Des Moines, West Des Moines, Ankeny, Urbandale, Johnston
Collection Combat FAQ
When Do I Strike?
After the second broken promise. Time to get serious.
What If They Ignore It?
Then you may need to consider legal action. Consult an attorney.