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Executions are valid for 120 days from the date of issuance from the Clerk of Court. Garnishments are in effect from the date of service until the judgment is satisfied, the maximum amount allowed by law is collected, the execution expires or the execution is stopped by the court or by the creditor in writing.
See Iowa Code section 626.3. If there is already a garnishment on you or the other party, you should talk to an attorney for options. Iowa Code section 642.21 describes what amounts may be garnished from a persons earnings.
Cap on Aggregate Amount Under Iowa Law below $12,000 per year: up to $250 may be garnished. between $12,000 and $15,999 per year: up to $400 may be garnished. between $16,000 and $23,999 per year: up to $800 may be garnished. between $24,000 and $34,999 per year: up to $1,500 may be garnished.
A creditor, debt collector, or debt buyer with a judgment from the court can garnish your wages in Iowa. Federal debts, such as IRS debt and student loan debt, have their own special rules. The government doesnt need a court order to garnish your wages to collect on these debts.
Iowa Wage Garnishment Process The creditor files and serves a petition for judgment. To get a court order, a creditor must file a petition and notice in civil court to sue you if you owe them money. You can object to the creditors claims. The judge will issue a court order.
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If a garnishment has been placed on your wages, but you believe the garnishment is incorrect or should be stopped, you may file a Motion to Quash Garnishment and Request for Hearing (Iowa Court Rule form 3.20).
Your creditor cannot garnish your wages or bank account unless there has been a judgment entered against you. Your creditor must first sue you in court. If the creditor gets a court judgment saying that you owe them money, then your creditor may be able to garnish your wages or your bank account.
The first factor is the type of debt you have. If you have a consumer debt, then the weekly amount that is exempt is 40 times the Federal minimum wage. If you have a non-consumer debt, then the exempt amount is 30 multiplied by the Federal minimum wage.

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