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Timothy James Law Office

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Attorneys

515 Church Street, Ottumwa, IA, 52501

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📚 Related legal guides

Background reading on the practice areas this attorney handles.

bankruptcy
Wage Garnishment Defense in Iowa
Iowa wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
bankruptcy
Debt-Collection Defense in Iowa
Iowa consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
bankruptcy
Student-Loan Discharge in Bankruptcy in Iowa
Iowa student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

Contact Information

515 Church Street
Ottumwa, IA 52501
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