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Iowa Original Notice - Action for Money Judgment
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FAQ
Collecting a judgment can be just as challenging as winning the lawsuit in some cases. If the defendant has stable finances, they should pay the judgment uneventfully.Most often, the judgment debtor will need to pay the judgment as a lump sum, but sometimes a debtor will ask to pay it in installments.
In many situations, one of the best ways to collect a judgment after winning a case is to put a lien on the debtor's property. This gives you a claim to the property and, in some cases, the property will be sold at public auction in order to satisfy the debt that is owed.
Once entered, a judgment is enforceable in Iowa for twenty years.
The winner gets a money judgment and becomes the judgment creditor. The loser becomes the judgment debtor. If you sued multiple people, the judgment should indicate who owes how much. Some defendants might not owe anything, or the judge might cap their liability at a maximum amount.
You must electronically file a request for an order "condemning" the funds held by clerk. The court will then order the clerk to pay you the amounts collected by the sheriff. You must pay the sheriff's fee. The sheriff will continue collection efforts until the judgment is satisfied or for a 120-day period.
If the defendant does not reply to your claim, you can ask the court to enter judgment 'by default' (that is, make an order that the defendant pay you the amount you have claimed because no reply has been received). You should do this as soon as possible after the 14 days have passed.
Is there a statute of limitations on my judgment? While there are time limits for collecting debts, once a court judgment is obtained, that limit does not apply. In California a judgment is valid for 10 years; however, if renewed prior to 10 years, it is extended for another decade.
Once entered, a judgment is enforceable in Iowa for twenty years.
You can ask a lawyer or collection agency to help you collect your judgment. But you may have to pay a percentage of the judgment in fees (some agencies charge only 15 percent or 20 percent). They may also ask you to assign the right to your judgment to them.