Iowa · Roommate money dispute
Roommate money dispute in Iowa small claims
Ex-roommate owes you money? Recover it in small claims.
When a roommate leaves without paying their share of rent, utilities, or other agreed expenses — or when money was lent and not repaid — small claims court is an accessible option to recover. Your case turns on showing what was agreed, what was paid by each person, and what remains unpaid. A written roommate agreement or lease addendum is the strongest evidence, but texts, emails, and payment records can also establish the arrangement.
In Iowa, small-claims cases are heard in the District Court (small claims docket) and you can sue for up to $6,500.
Good to know: Iowa has no separate small claims court; it is a simplified docket of the district court under Iowa Code chapter 631, heard by a magistrate or judge. You file electronically through the statewide eFiling (EDMS) system in the county where the case belongs.
Roommate money dispute: steps that matter
- Gather your roommate agreement, lease, and any written communications about shared expenses, payments made, and what was owed.
- Compile payment records showing what you paid and what the other person did or did not pay.
- Send a written demand for the amount owed and keep proof you sent it.
- File in the court for the county where the rental property is located or where the defendant currently lives.
Filing your Original Notice and Petition for a Money Judgment (Form 3.1) in Iowa
- Complete the Original Notice and Petition (Form 3.1). Fill in the county, your name and address, each defendant's name and address, and the amount owed and the reason. Do not include the filing fee or court costs in the amount claimed.
- Complete a Verification of Account (Form 3.27). Complete a separate Form 3.27 for each defendant and attach an itemized statement showing how you reached the amount claimed. If suing on a promissory note, include the original note.
- Electronically file and pay the fee. File the forms through the Iowa Judicial Branch eFiling (EDMS) system; the $95 filing fee is collected at filing.
- Arrange service on each defendant. Choose service by the county sheriff or by certified restricted mail through the clerk ($20 per party). Out-of-state defendants may be served via the Secretary of State ($10).
- Attend the hearing. If the defendant disputes the claim, the clerk sets a hearing. Appear in person (or through a lawyer), with proof of service and your evidence.
Filing fees: The filing fee is $95, set statewide and collected at eFiling. Certified restricted-mail service adds $20 per party; sheriff fees vary by county; Secretary of State service adds $10.
Deadline that applies to your roommate money dispute
A roommate money dispute is usually a contract or debt claim — unpaid shared expenses, a loan between roommates, or one roommate leaving the other holding the lease. The statute of limitations is typically the contract or debt period, starting from when the money was due or the last payment was made.
Written contract: 10 years (Iowa Code 614.1(5)(a))
Answering a lawsuit: 20 days after service (60 days if served via the Secretary of State).
Serving the defendant: The clerk causes service of the Original Notice and answer form. You may elect certified restricted-delivery mail (return receipt to the clerk) or personal service by a sheriff or peace officer; proper notice is shown by the signed receipt or a return of service (Iowa R. Civ. P. 1.308).
Appeals: Any party may appeal within 20 days of judgment, by oral notice at the end of the hearing or a written Notice of Appeal (Form 3.26) plus the district court docket fee (Iowa Code 631.13). The appeal is heard on the record by a different judge.
All Iowa small-claims deadlines
The table below lists the filing deadlines District Court (small claims docket) applies by claim category. Confirm the exact rule that applies to your roommate money dispute claim with your court before relying on any figure.
| Claim type | Filing deadline |
|---|---|
| Written contract (Iowa Code 614.1(5)(a)) | 10 years |
| Oral / unwritten contract (debt) (Iowa Code 614.1(4)) | 5 years |
| Property damage (Iowa Code 614.1(4)) | 5 years |
| Personal injury (Iowa Code 614.1(2)) | 2 years |
Iowa small-claims forms for your roommate money dispute case
These forms are published by the District Court (small claims docket). Download and complete them before filing.
- Instructions for Filing a Small Claims Action for Money Judgment: Official Iowa Judicial Branch step-by-step instructions for plaintiffs filing a small claims money-judgment case (forms, fees, service, hearing, appeal).
- Form 3.1 - Original Notice and Petition for a Money Judgment: The document that starts a small claims money-judgment case against an Iowa-resident defendant (the initial filing).
- Form 3.26 - Notice of Appeal: Used to appeal a small claims judgment within 20 days of the ruling.
- Small Claims Evidence: What To Bring To Court: Official Iowa Judicial Branch guide on evidence and documents to bring to the small claims hearing.
This page is general information, not legal advice, and CaseBySelf is not a law firm. Rules, fees, and deadlines change and vary by court: verify with the specific court where you file. Source: Iowa Judicial Branch: Small Claims. Last reviewed 2026-06-24.