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What Creditors Cannot Take

Iowa Code § 627.6 — one vehicle up to $7,000, tools of the trade up to $10,000, and household goods

  • A wedding or engagement ring, and other jewelry up to $2,000.
  • One shotgun, and either one rifle or one musket.
  • Clothing, household furnishings and household goods kept for use.
  • One motor vehicle up to $7,000, and tools of a trade other than farming up to $10,000.
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Wages are exempt from garnishment to the extent federal law provides, and no more than $250 a year may be garnished for each judgment creditor when the employee's earnings are not expected to exceed $12,000 that year.

Sources for this section (2)
  1. Iowa Code § 627.6 — General exemptions
  2. Iowa Code § 642.21 — Exemption from net earnings

Legal information, not legal advice. Verified as of October 2026. Applying it to a particular situation is the work of a licensed Iowa attorney.

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