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Hello and thank you for contacting us. This is Dwayne B. and I’m an expert here and looking forward to assisting you today.
Is there a specific question with which I can assist?
I'm not sure what you mean by the word "dept." that you keep using. Are you asking what the statute of limitations is on debt?
That's an email from the website, don't worry about it.
Yes, if you owe them money. The statute of limitations on an oral contract is 5 years, the statute of limitations on a written contract is 10 years. However, the statute of limitations is an affirmative defense. What that means is it doesn't prevent them from suing you, it just means that if you properly assert the defense then the court shouldn't grant a judgment.
Yes, a creditor can garnish a certain amount of your wages in Iowa once they get a judgment. The amount they can garnish is explained in this article:
You have to place it in your pleadings, explain the exact dates involved, state that it is an affirmative defense, and attach an affidavit backing up the dates.
Filing an Answer in a civil case requires some knowledge of what you are doing. The explanation I gave above explains exactly what has to be done, but you still have to file an answer. Most people hire a lawyer to file or at least draft the documents.
For some reason, people have started believing that answering a lawsuit is just filing a piece of paper and that no legal knowledge is required and that just isn't correct. You still have to do research and learn what all must go in the filings or else hire a lawyer to prepare and/or file the paperwork.
Certainly you could learn how to do it yourself, but it isn't really something that can be just explained in a single question. Perhaps in a series of questions and, in addition, some local attorney and some experts on here will draft the documents for you.