Iowa Code

Iowa Code § 627.10 (2026)

Bankruptcy exemption

✓ current as of July 2026
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A debtor to whom the law of this state applies on the date of filing of a petition in bankruptcy is not entitled to elect to exempt from property of the bankruptcy estate the property that is

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Tue Dec 09 21:59:00 2025 Iowa Code 2026, Chapter 627 (23, 0) §627.10, EXEMPTIONS 6\n\nspecified in 11 U.S.C. §522(d) (1979). This section is enacted for the purpose set forth in 11 U.S.C. §522(b)(1) (1979). [81 Acts, ch 182, §2]

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Notes of Decisions
Cited in 78 cases (10 in the last 5 years), 1947–2025 · leading case: In Re Allen, 301 B.R. 55 (Bankr. S.D. Iowa 2003).
In Re Allen, 301 B.R. 55 (Bankr. S.D. Iowa 2003). · cites it 6× “Iowa Code § 627.10 . 3 . In response to a question from the Court during the telephonic hearing, the parties stipulated the 3706 S.”
In Re Bailey, 326 B.R. 750 (Bankr. S.D. Iowa 2004). · cites it 6× “Iowa Code § 627.10 . 8 . Federal Rule of Bankruptcy Procedure 4003(c) provides: "In any hearing under this rule, the objecting party has the burden of proving that the exemptions are not properly claimed.”
In Re Norkus, 256 B.R. 298 (Bankr. S.D. Iowa 2000). · cites it 6× “*302 Iowa Code § 627.10 . 5 . By way of example, the Iowa Supreme Court has held that Iowa Code section 598.”
In Re: Nadine F. Eilbert, Debtor. Nadine F. Eilbert v. David Dennis Pelican Anita L. Shodeen, 162 F.3d 523 (8th Cir. 1998). “As the second reviewing court, we apply the same standards as the Bankruptcy Appellate Panel, reviewing the bankruptcy court’s findings of fact for clear error and its conclusions of law de novo.”
In Re Glen H. Huebner, Debtor. Glen H. Huebner v. Farmers State Bank, Grafton, Iowa, 986 F.2d 1222 (8th Cir. 1993). “Because Iowa does not allow Iowa debtors to elect the federal exemptions, see Iowa Code § 627.10 , Huebner’s claimed exemption must be determined under Iowa law.”
LaSalle Bank, N.A. v. Takes (In Re Takes), 334 B.R. 642 (N.D. Iowa 2005). · cites it 4× “Section 522(b) lets debtors choose a set of federal exemptions listed in Title 11, United States Code, section 522 (d) or the applicable state’s exemptions, unless the state has “opted out” of the scheme and expressly limited debtors to the state law exemptions.”
Stephens v. Holbrook (In Re Stephens), 402 B.R. 1 (10th Cir. BAP 2009). “Iowa Code § 627.10 (1998) provides that a "debtor to whom the law of this state applies on the date of filing of a petition in bankruptcy is not entitled to elect to exempt from property of the bankruptcy estate the property that is specified in 11 U.”
In Re Longstreet, 246 B.R. 611 (Bankr. S.D. Iowa 2000). · cites it 2× “ion at the place in which the debtor’s domicile has been located for the 180 days immediately preceding the date of the filing of the petition, or for a longer portion of such 180-day period than in any other place; and (B) any interest in property in which the debtor had,…”
In Re the Marriage of Eklofe, 586 N.W.2d 357 (Iowa 1998). · cites it 2× “; see Iowa Code § 627.10 (1954). Section 627.12, however, made this exemption inapplicable to orders for support of a child.”
Dominion Bank of the Cumberlands, Na v. James R. Nuckolls Judy M. Nuckolls, 780 F.2d 408 (4th Cir. 1985). “1984); Iowa Code Ann. § 627.10 (West Supp. 1985); Kan.”
In Re Krantz, 97 B.R. 514 (Bankr. D. Iowa 1989). · cites it 2× “§ 522(b)(1) and Iowa Code § 627.10 (1987). Thus, in Iowa, debtors claim “state-created exemptions.”
In Re Flygstad, 56 B.R. 884 (Bankr. D. Iowa 1986). “The debtor’s rights in: e. a payment under a pension, annuity, or similar plan or contract on account of illness, disability, death, age, or length of service, to the extent reasonably necessary for the support of the debtor and any dependent of the debtor.”
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