Bankruptcy and Debt Relief in Iowa

If bills are piling up, you have options. A free consultation can help you understand Chapter 7 and Chapter 13 under federal bankruptcy law and Iowa exemptions. We serve clients across all 99 Iowa counties by phone or video. If an in-person meeting is helpful, we can discuss options.

     EXCELLENT  
  59 reviews

Free Consultation

Prefer to talk now? Call 641-472-5141

Chapter 7 Bankruptcy

Learn how Chapter 7 typically works in Iowa, who may qualify, and what debts are often discharged in straightforward cases.

Understand Chapter 7

Chapter 13 Bankruptcy

Explore repayment plans, common timelines, and how Chapter 13 may help some people protect important property while catching up.

Explore Chapter 13

Debt Relief Options

See what people often mean by “debt relief” and how Chapter 7 and Chapter 13 compare, so you can choose a clear next step.

See debt relief options

See What Past Clients Have Said

      EXCELLENT  
   Based on 59 reviews 
    
 
 
 
   
 
 
      Posted on Google  
   
   Amirah Ghastalani 
 1 days ago
 
 
 Trustindex verifies that the original source of the review is Google. They helped me and made the process so easy! They are well prepared for their cases.
  
 
     Posted on Google  
   
   Rebecca Smith 
 49 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Shane and his office handled my case with kindness, respect and dignity.  I felt zero shame from him and his staff, and my own outcome was exactly what I had hoped for. I would absolutely recommend Zisman Law.
  
 
     Posted on Google  
   
   Cassidy Coppage 
 79 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Shane was so helpful from start to finish of a very long process! I was embarrassed and overwhelmed with the situation I was in, but Shane was there every step of the way explaining things and helping me through it! Highly recommend!
  
 
     Posted on Google  
   
   Lyndsey Stowers 
 79 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Shane was great and super helpful during the whole bankruptcy process!! He was always quixk with replies, questions and concerns! He is also very patient during the times I felt overwhelmed!! 10/10
  
 
     Posted on Google  
   
   Angie drinovsky 
 90 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend Attorney Shane Zisman at Zisman Law. They were professional, responsive, and guided us through our bankruptcy filing flawlessly. They took the stress out of a very tough situation and helped us get back on track.
  
 
     Posted on Google  
   
   Rusty Luksich 
 116 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Great to work with
  
 
     Posted on Google  
   
   Chris Arnold 
 116 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Shane is about as down to earth and straight forward as you can get. He doesn’t BS you and tells you exactly what is expected of you and lays out your tasks for your specific situation. Never had an issue with communication. His team is awesome and I highly recommend using his services.
  
 
     Posted on Google  
   
   Debra Pettyjohn 
 133 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Very happy  with  his service.
  
 
     Posted on Google  
   
   Mark Halda 
 133 days ago
 
 
 Trustindex verifies that the original source of the review is Google. This law firm that we hired for the bankruptcy did a very well job they didn't what they said they were going to do we made our payments and paid it off and they began and they were on it until we were through court and finished they are very well offered I would hire them over again thank you very much Shane
  
 
     Posted on Google  
   
   P.H. Boer 
 134 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Shane helped me through my Chapter 7 bankruptcy and I couldn’t have asked for a better experience. He made a stressful situation feel manageable and kept things clear every step of the way. I had a few moments of confusion along the process, and he was always patient and took the time to explain things until it clicked. I’m really grateful for his help and would absolutely recommend him to anyone needing an attorney.

Past results do not guarantee a similar outcome. Each case is unique.

Schedule your Free Initial Consultation

Shane Zisman, Iowa bankruptcy attorney, meeting with a client

Not sure which option fits your situation? Let’s talk it through.

We’ll review what’s going on and explain practical next steps, including Chapter 7 or Chapter 13. We’ll also explain what you can expect from the process and discuss fees before you decide.

Free initial consultation
Phone, Video, Or In-Person Options When Helpful
Serving Clients Across Iowa

Find Your Iowa City

If you want information that is more specific to where you live, start with our Iowa cities directory. From your city hub page, you can click into the service pages for Chapter 7, Chapter 13, and debt relief options.

How this website is organized

Iowa hub: A statewide overview of common options and how the process typically works in Iowa.
City directory: A browsable list of Iowa cities so you can find your local page quickly.
City hub: A simple page for your city that links to the main services.
City service pages: Detailed pages for your city, like Chapter 7, Chapter 13, and debt relief.

Prefer to talk with an attorney first? Schedule a free consultation. Confidential. No obligation.

Who This Iowa Page Is For

This page is a starting point if you are:

Dealing with collection calls, lawsuits, or wage garnishment
Behind on credit cards, medical bills, or personal loans
Worried about keeping your car, home, or paycheck
Trying to decide between Chapter 7 and Chapter 13

A consultation can help you understand which options may fit your situation under Iowa and federal law. Fees are discussed before you decide to hire a lawyer.

Quick Guide to Common Options in Iowa

Chapter 7 Bankruptcy in Iowa

Chapter 7 is one option people consider when they want a faster process and may qualify. Learn the basics on our Chapter 7 bankruptcy in Iowa page.

Chapter 13 Bankruptcy in Iowa

Chapter 13 is another option people consider when a payment plan may be needed. Learn the basics on our Chapter 13 bankruptcy in Iowa page.

Debt Relief in Iowa

If you’re searching for “debt relief,” it often points back to bankruptcy options. See an overview that compares Chapter 7 and Chapter 13 and what each may be used for.

If you want city-specific information, start here: browse Iowa cities.

What Working With Zisman Law Typically Looks Like

Short consultation: We listen, ask a few key questions, and explain practical next steps.
Document checklist: You get a clear list of what to gather so we can evaluate your situation.
Strategy and timing: We discuss options and tradeoffs based on your goals and the facts.
Next steps: If you decide to move forward, we guide you through what to expect.

Not every case is the same. Some debts and situations have exceptions, and timing can vary.

Common Questions

Do I have to come to the office?

No, the entire process can be done remotely through email, phone, and text. If an in-person meeting is helpful, we can discuss options.

Will filing stop collection activity?

When bankruptcy is filed, the bankruptcy Court issues an automatic stay which stops collection activity.

Can I keep my car or home?

With limited exceptions you can keep essential property, including your home and vehicle(s). A consultation helps clarify what applies in your case.

Is this legal advice?

No. This page is general information only and is not legal advice. Legal advice depends on your specific facts.

Next Step

If you want clarity, the fastest step is a short conversation. Schedule a free consultation or start with the Iowa cities directory.

Talk With An Iowa Bankruptcy Attorney

If bills are piling up and collection calls keep coming, we can help you understand your options under Iowa and federal law. A short conversation can help you get clear on the next step.

Prefer to talk now? Call 641-472-5141

Free Consultation