{"meta":{"key":"s_ia--pass-08","task":"S_IA","title":"Ordinary consumer-debt limitation, accrual, acknowledgment, payment, and judgment-duration gateway","parent_title":"Iowa debt and debt relief law","edition":"pass-08","path":"/research/s_ia--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":11,"claims":48,"sources":32,"review_status":"revise_one_bounded_source_read_range_UNSENT_with_source_currentness_application_holds","review_complete":true,"sha256":"ebae5aae4dd85d289a11bef33fef67ebf1a8b77b47547b6e9ce49d5bc22df310","headings":["Ordinary consumer-debt limitation, accrual, acknowledgment, payment, and judgment-duration gateway","A1. The 2026 compilation requires a later-enactment qualification","A2. Classification and accrual matrix","A3. Writing, signature, and proof are different questions","A4. Installments, acceleration, maturity, and cure","A5. Burden and validity boundary","B1. Iowa’s statutory revival rule","B2. Before expiry, after expiry, and resulting period","B3. Assignment and debt sale","B4. Bankruptcy is a separate boundary","C1. Choice of law and borrowing are not a shortest-period formula","C2. Tolling and related doctrines","C3. Filing, service, savings, and relation back","D1. Distinct legal objects","D2. “Renewal” must describe the actual mechanism","D3. Assignment can matter in special judgment categories","D4. Satisfaction and actual ownership","D5. Federal collection and reporting boundaries","Unpublished-opinion qualification","Shared counting assumptions","M01 — Signed writing versus oral/open-account/card alternatives","Stipulated written-note facts","Effective-acceleration alternative","Different-obligation alternatives","M02 — Pre-expiry and post-expiry acknowledgment versus payment","Original obligation","Branch A: qualifying pre-expiry acknowledgment","Branch B: qualifying post-expiry acknowledgment","Branch C: no qualifying writing","Non-debtor entries","M03 — Borrowing, tolling, savings, filing, and service","Base Iowa branch","Foreign-bar alternative","Statutory-prohibition alternative","Commencement/service alternative","Savings alternative","M04 — Entered judgment, lien, execution, and a new action","Original judgment","Proper separate-action alternative","Adverse alternatives","Actual work performed","Failed or limited routes","Remaining legal research gaps","What was not done"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IA/pass-08","facets":{"geography":["us","us-ia"],"debt_type":["unknown"],"stage":["judgment"],"subject":["definitions-classification","limitations-revival","judgments-duration"]},"scope":"ReviewedP01 exact broaderlimitations hold + explicit parent limitation/accrual/acknowledgment/payment/judgmentduration narrowed ordinaryconsumer limitation and necessary judgmentduration. P04/P06 unreviewed not premises; P05/P07 surety service not ordinary limitation.","pending_corrections":1},"markdown":"# SettleADebt — S_IA PASS-08\n\n## Ordinary consumer-debt limitation, accrual, acknowledgment, payment, and judgment-duration gateway\n\n**Fresh research date:** October 27, 2026, America/Los_Angeles and UTC.\n**Observed session clock readings:** 09:41:15–10:02:56 PDT, corresponding to 16:41:15–17:02:56 UTC. These are observed session readings, **not individual source-fetch timestamps**.\n\n**Scope:** Ordinary unsecured consumer obligations and the necessary judgment-duration distinctions. This is a same-coordinator research component, **not independent review**. P04 and P06 remain unreviewed and supply no premises. Earlier provider-fee, licensing, bond, agreement, and correction findings remain confined to their original scopes.\n\n**Principal finding:** Iowa does not have one universal “consumer-debt clock.” The ordinary starting periods are five years for unwritten obligations and ten years for written contracts, but classification, accrual, installment maturity, valid acceleration, statutory revival, foreign-law predicates, and procedural preservation must each be established. An ordinary court-of-record money judgment introduces a different twenty-year framework; its statutory real-estate lien ordinarily has a separate ten-year duration. [Iowa Legislature+2](https://www.legis.iowa.gov/docs/code/2026/614.1.pdf)\n\nThe source register contains **32 source groups**, including **15 published opinions and one separately qualified unpublished opinion**. This answer includes **48 claim entries, four worked models, 22 smaller postures, and 44 coverage entries**. Repeated sections or alternate formats of the same authority are grouped rather than counted as independent corroboration.\n\nThroughout, **S001** means **S_IA-P8-S001**, and **C001** means **S_IA-P8-C001**.\n\n# A. Classification, accrual, and the current-law qualification\n\n## A1. The 2026 compilation requires a later-enactment qualification\n\nThe published 2026 Code’s introductory language in §614.1 was amended by **2026 Iowa Acts chapter 1150, Senate File 512**, approved June 2, 2026 and effective July 1, 2026. The amendment preserves existing law governing accrual—including discovery and related statutory or common-law doctrines—and provides that the specified time limitations may be altered only by an act of the General Assembly. It does **not** replace the ordinary five-, ten-, or twenty-year periods examined here. **C001; S001–S003.** [Iowa Legislature+1](https://www.legis.iowa.gov/legislation/billTracking/billHistory?billName=SF512&ga=91)\n\nThe act contains no separate transition paragraph resolving every pending or previously accrued claim. Iowa Code §4.5 supplies a presumption of prospective operation unless expressly retrospective. No post-July 1, 2026 controlling construction was located resolving every interaction between the new language, contractual limitation provisions, and equitable doctrines. The existing accrual doctrines should not be described as abolished; nor is every possible equitable extension certified unchanged. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/4.html)\n\n## A2. Classification and accrual matrix\n\n| Obligation or theory | Starting period and trigger | Required classification evidence | What cannot be assumed |\n| --- | --- | --- | --- |\n| **Ordinary unwritten contract** | Five years under §614.1(4), measured from legally established accrual. | Actual obligation, performance due, breach, and any controlling conditions. | Every unsigned document is necessarily an unwritten contract; every demand date is accrual. **C002.** |\n| **Written contract** | Ten years under §614.1(5)(a), subject to special statutory categories. | The writings must establish the essential contractual obligation; identification and authentication remain necessary. | A signature anywhere in a file establishes every debt term or a ten-year period. **C003–C004.** |\n| **Electronic contract** | Electronic form does not itself defeat writing/signature status. The underlying contract classification still governs. | Applicable electronic-transaction law, attribution, assent, incorporated terms, and the actual obligation. | A screenshot, typed name, attached generic terms, or database flag automatically proves assent. **C005.** |\n| **Credit-card account** | No uniform five- or ten-year answer was established for every card account. | Actual governing terms, debtor linkage, assent, obligation, claim theory, and accrual facts. | Every card is an open account, or every card agreement is a qualifying written contract. **C006.** |\n| **Continuous, open, current account** | Section 614.5 fixes accrual at the last qualifying item proved at trial; the applicable period still depends on the obligation. | A genuinely continuous account and a legally relevant last item. | A unilateral bookkeeping charge, collection transfer, or later cash transaction necessarily extends the old account. **C007.** |\n| **Account stated** | It is a potentially available claim theory, not an automatic new ten-year clock. | Actual assent to an account balance and the necessary legal predicates; limitations remain separately analyzed. | Silence after any statement creates an enforceable replacement contract or revives an already barred debt. **C008.** |\n| **Qualifying Article 3 time instrument** | Iowa §554.3118(1)(a) places accrual against the maker/acceptor on the **day after maturity**. The applicable limitations period must be found elsewhere. | Actual Article 3 instrument, maturity, party liable, and any effective acceleration. | Importing the uniform UCC’s commonly cited six-year period into Iowa. **C009.** |\n| **Qualifying demand instrument** | Section 554.3118(1)(b) uses the instrument’s date, or issue date if undated. | Instrument status, date/issue date, and any special instrument exception. | Waiting indefinitely to demand payment postpones accrual. **C009.** |\n| **Installment obligation** | Separately matured installments ordinarily have separate accrual dates; valid acceleration can affect the unmatured balance. | Payment schedule, default, acceleration language, election, notices, waiver, and maturity. | First missed payment automatically accelerates everything. **C010–C012.** |\n| **Sale-of-goods obligation** | Iowa §554.2725 refers to chapter 614 rather than supplying the uniform four-year period. It contains its own accrual and contractual-reduction provisions. | Actual Article 2 transaction and applicable agreement. | Importing another state’s UCC period or savings rule. **C044.** |\n| **Claim for rent** | Five years under §614.1(5)(b), notwithstanding the general written-contract provision. | Actual rent claim rather than another contractual obligation. | Every written consumer obligation has ten years. **C003.** |\n\nThe statutory periods and open-account rule are directly supported by §§614.1 and 614.5. The instrument and goods distinctions come from Iowa’s actual UCC text, not a model-code summary. [Iowa Legislature+3](https://www.legis.iowa.gov/docs/code/2026/614.1.pdf)\n\n## A3. Writing, signature, and proof are different questions\n\n**Matherly v. Hanson** requires examination of whether the writings establish the obligation sued upon; a collection of papers does not become a written contract merely because some pages contain signatures or initials. Extrinsic evidence identifying a document or supplying incidental detail is different from oral evidence needed to create the essential obligation. **C004; S015.** [Justia Law](https://law.justia.com/cases/iowa/supreme-court/1984/83-1562-0.html)\n\nIowa’s electronic-transaction provisions recognize qualifying electronic records and signatures but preserve substantive law and attribution requirements. Their scope excludes most UCC transactions, including Article 3 transactions, except as otherwise provided by the specified statutory exceptions. Accordingly, this pass does not apply UETA indiscriminately to every electronic note. **C005; S032.** [Iowa Legislature+2](https://www.legis.iowa.gov/docs/code/2026/554D.pdf)\n\nThe unpublished **Gemini Capital Group v. New** decision is useful only within those limits: its majority found the particular generic card agreement and other evidence insufficient to establish the written-contract category. It does not announce that every Iowa card debt has five years. Its citation status is separately qualified below. **C006; S016.** [Justia Law](https://law.justia.com/cases/iowa/court-of-appeals/2011/1-521.html)\n\n## A4. Installments, acceleration, maturity, and cure\n\n**Frenzel** distinguishes separately due installments from an unexercised acceleration option. **Dunn** demonstrates that contractual acceleration can also be affected by a course of accepting late payments. Neither supports treating every phrase containing “shall become due” as a self-executing acceleration regardless of the rest of the agreement. **C010–C011; S022–S023.** [Justia Law+1](https://law.justia.com/cases/iowa/supreme-court/1967/52293-0.html)\n\nFor transactions actually covered by Iowa Consumer Credit Code article 5, §§537.5109–.5110 impose additional default and cure conditions. Among the material branches are the payment-default threshold, required cure notice where a right to cure exists, a generally twenty-day post-notice restriction on acceleration/enforcement, and exceptions for specified prior notices and other circumstances. A premature money-judgment action can require dismissal without prejudice. **C012; S005.** [Iowa Legislature+2](https://www.legis.iowa.gov/docs/code/2026/537.5109.pdf)\n\nThat does **not** establish that twenty days must simply be added to every installment limitation calculation. Transaction coverage, a valid notice, the particular obligation, and the legal effect on accrual must be established. Section 537.5111’s complete notice requirements were not analyzed here.\n\n**Charge-off, sale, collection placement, or a later demand is not automatically accrual.** Those events may be evidence, but the legal trigger remains the applicable obligation’s breach, maturity, qualifying account item, or effective acceleration. **C013.**\n\n## A5. Burden and validity boundary\n\nLimitations is ordinarily a defense requiring proper assertion; Rule 1.419 requires matters avoiding a pleading’s legal effect to be specifically pleaded. A creditor relying on revival must prove the qualifying facts; **Schroedl’s** later appeal specifically placed the revival issue on the claimant by a preponderance of the evidence. **C016, C043.** [Iowa Legislature+1](https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/1.pdf)\n\nA forged obligation, wrong-person account, released balance, discharged personal liability, or nonexistent debt presents a **validity or enforceability issue**, not a debt made valid by the passage of time. Conversely, uncertainty about validity does not itself establish a limitations defense. No actual obligation, authentic agreement, account balance, or assignment is supplied.\n\n# B. Acknowledgment, new promise, payment, and transfer\n\n## B1. Iowa’s statutory revival rule\n\nSection 614.11 provides two routes for contract claims: a signed written admission by the party to be charged that the debt is unpaid, or a similarly signed written new promise to pay. The statute does not say that every payment revives the debt. **C014–C018; S001.** [Iowa Legislature](https://www.legis.iowa.gov/docs/code/2026/614.11.pdf)\n\n| Event | Conditional legal consequence | Necessary evidence or remaining limitation |\n| --- | --- | --- |\n| Signed writing clearly identifying an unpaid debt | Can satisfy §614.11 even without using the word “revive.” | Authorship/signature, identity of debt, content, qualifications, and timing. |\n| Signed new promise | Potential revival; a conditional or future-dated promise requires analysis of its actual terms. | No uniform immediate-accrual assumption for every new promise. |\n| Bare partial or interest payment | **Not sufficient by itself** under the Iowa decisions read. | A separate qualifying signed admission or promise may exist, but must be proved. |\n| Signed tax return or other third-party writing | Can provide evidence of acknowledgment when linked to the particular debt. | It need not have been addressed to the creditor, but ambiguous interest/dividend entries may fail. |\n| Attorney’s pleading or settlement communication | No automatic imputation of a qualifying personal acknowledgment. | Authority, signature, content, and whether unpaid liability is actually admitted. |\n| Collector credit, adjustment, or sale-price entry | Not a debtor payment or acknowledgment merely because it appears in the ledger. | Actual source, authorization, purpose, and underlying transaction. |\n| Co-obligor, family member, trustee, insurer, or representative payment | No universal revival of every obligor’s liability. | Identity of the party charged and legally sufficient authority or personal signed admission. |\n\n**Estate of Brooks** rejects bare payment/oral-promise revival; **Schroedl** distinguishes payment from a qualifying written acknowledgment; **Buttolph** rejects reliance on the particular attorney-signed pleading and unilateral account entries before it. **C015–C017.** [Justia Law+3](https://law.justia.com/cases/iowa/supreme-court/1959/49670-0.html)\n\n## B2. Before expiry, after expiry, and resulting period\n\nThe revival doctrine is not confined to events before the original bar: the statute speaks of revival, and the **Schroedl** litigation expressly concerned an otherwise barred note. But a payment after expiry is still not sufficient by itself. **C014–C018.** [Justia Law+1](https://law.justia.com/cases/iowa/supreme-court/1964/51223-0.html)\n\nFor the written-note model below, a new ten-year calculation is shown **only on the stipulated finding that an unconditional, effective §614.11 acknowledgment revives that same written-note claim from the acknowledgment date**. This is not a universal rule that any letter concerning an oral debt creates a new ten-year contract. A conditional promise, novation, disputed identity, or future payment date can require a different analysis.\n\nSettlement discussions are likewise not automatically revival, tolling, or estoppel. A signed communication might contain a sufficient acknowledgment, while a disputed or conditional offer might not. No categorical rule is drawn from the heading “settlement communication.”\n\n## B3. Assignment and debt sale\n\nRule 1.205 expressly preserves defenses against an assignor in cases outside the UCC, subject to its stated conditions. A purchaser’s payment to acquire a portfolio is not the consumer’s payment. Neither the sale date nor the purchaser’s acquisition price is a statutory acknowledgment by the debtor. **C019; S006.** [Iowa Legislature](https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/1.pdf)\n\nThis does not establish chain of ownership, standing, admissibility, UCC holder status, or the amount transferred. It also does not mean assignment can never affect a statutory duration: the **special rent-judgment assignment provision in §615.1A** is an important counterexample discussed below.\n\n## B4. Bankruptcy is a separate boundary\n\nSection 524’s discharge injunction and reaffirmation requirements are not displaced by Iowa revival doctrine. Voluntary repayment is permitted by §524(f), but voluntary repayment alone does not establish an enforceable reaffirmation. Section 524(e)’s treatment of other entities also prevents assuming that one debtor’s discharge resolves every co-obligor’s liability. **C026.** [US Code](https://uscode.house.gov/us/usc/119-118/t11/s524/)\n\nA bankruptcy distribution, trustee payment, or other involuntary application of money is not automatically the debtor’s signed acknowledgment. No actual discharge, reaffirmation, stay, or representative authority is supplied.\n\n# C. Borrowing, tolling, savings, and procedural preservation\n\n## C1. Choice of law and borrowing are not a shortest-period formula\n\n**Cameron v. Hardisty** applies Iowa’s general forum-limitations approach while distinguishing substantive choice-of-law questions. Section 614.7 separately recognizes a complete foreign bar under its residency and non-Iowa-accrual conditions. It expressly excludes causes arising within Iowa. **C020–C021.** [Justia Law+1](https://law.justia.com/cases/iowa/supreme-court/1987/86-1307-0.html)\n\nThe necessary questions are separate:\n\n| Question | Required determination |\n| --- | --- |\n| What forum is hearing the action? | Iowa state-court rules are not automatically federal, tribal, or foreign-court rules. |\n| Where did the cause arise? | Relevant to §614.7; an online transaction does not supply its own legal location. |\n| Where did the defendant previously reside? | Must satisfy the actual borrowing provision, not merely creditor headquarters. |\n| Is the claim fully barred there? | Foreign period, accrual, tolling, revival, and application law must be proved. |\n| Is foreign law substantive or procedural? | A substantive extinguishment/repose rule can present a different question. |\n| What does the choice-of-law clause cover? | The actual wording and enforceability matter; Cameron did not decide every consumer choice clause. |\n\nNo actual foreign jurisdiction, residence history, contract clause, or foreign-law body is supplied. Accordingly, this pass establishes the analytical gateway, not a universal shorter/longer-period selection.\n\n## C2. Tolling and related doctrines\n\n| Doctrine | Verified boundary | What remains fact-dependent |\n| --- | --- | --- |\n| **Claimant disability/minority, §614.8** | Provides specified extensions in favor of protected claimants, generally allowing one year after the disability ends or majority, subject to exceptions. | Qualification, timing, claimant identity, and special statutory exceptions. It is not automatic tolling because the debtor becomes ill. **C022.** |\n| **Nonresident defendant, §614.6** | Text excludes specified nonresident time; **Kokenge** construed its predecessor in light of continued amenability to Iowa service. | Modern application to the particular debtor and available service; do not mechanically add every absence. **C023.** |\n| **Unknown defendant** | Section 614.6’s unknown-person branch concerns specified personal-injury/death criminal conduct and diligent identification efforts. | It is not a general extension for an unidentified debt purchaser or missing address. **C023.** |\n| **Fraud/mistake discovery, §614.4** | Applies to its specified causes; discovery is an accrual question where applicable. | No universal rule delaying ordinary collection accrual until a creditor discovers default. **C024.** |\n| **Fraudulent concealment/equitable estoppel** | **Downing** distinguishes estoppel from accrual and clock-running; requires proof of the applicable concealment, ignorance, intent, and detrimental reliance elements. | The case was a medical-repose action; application to ordinary debt and the 2026 amendment remains qualified. **C024.** |\n| **Injunction/statutory prohibition, §614.13** | Excludes the time during which commencement is prohibited, subject to chapter exceptions. | Actual prohibition, covered action, dates, and exception. **C025.** |\n| **Bankruptcy, §108(c)** | Uses the later of the applicable period, including legally applicable suspension, or thirty days after notice of the specified stay termination. | It does not itself justify blindly adding the entire bankruptcy duration. **C026.** |\n| **SCRA, 50 U.S.C. §3936** | Excludes qualifying military-service periods for specified actions by or against protected persons; tax exception applies. | Actual service qualification and dates; state-only National Guard provisions were not completed. **C027.** |\n\nSources: §§614.4, .6, .8, .13; **Kokenge**; **Downing**; 11 U.S.C. §108(c); 50 U.S.C. §3936. [Iowa Legislature+5](https://www.legis.iowa.gov/docs/code/2026/614.pdf)\n\n## C3. Filing, service, savings, and relation back\n\n**Ordinary district-court commencement:** Rule 1.301(1) uses filing of the petition to commence the action and determine the limitations commencement time. **Small claims differs:** §631.3 uses filing an original notice. Neither observation eliminates subsequent service requirements. **C028.** [Iowa Legislature+1](https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/1.pdf)\n\n**Service:** Rule 1.302(5) establishes a ninety-day service framework. After notice, the court may dismiss without prejudice or direct another time or manner of service; a showing of good cause requires an appropriate extension. **Rucker** applies good cause to its particular communications and conduct, not to every negotiation or inadvertent delay. **C029.** [Iowa Legislature+1](https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/1.pdf)\n\n**Savings:** Section 614.10 allows a qualifying second action within six months after failure of the first, except failure through negligence in prosecution. **Furnald** rejected the particular strategic voluntary dismissal; **Trask**, decided May 29, 2026, permitted savings where dismissal followed legal futility rather than negligent prosecution. “Without prejudice” is not synonymous with “automatically entitled to six more months.” **C030.** [Iowa Legislature+2](https://www.legis.iowa.gov/docs/code/2026/614.10.pdf)\n\n**Relation back:** Rule 1.402(5) requires the same conduct, transaction, or occurrence. Changing a defendant additionally requires the rule’s timely notice, lack of prejudice, and mistake-related knowledge conditions. Filing against the wrong person is not automatically repaired after expiry. **C031.** [Iowa Legislature](https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/1.pdf)\n\n**Counting:** Section 4.1(34), read with Rule 1.1801, excludes the first day and includes the last, with specified weekend, holiday, and clerk-closure treatment. Months are calendar months; years are twelve months. The models do not substitute thirty days for a month or assume every federal holiday is an Iowa statutory holiday. **C032.** [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/4.html)\n\n# D. Judgment duration without collapsing the clocks\n\n## D1. Distinct legal objects\n\n| Object | Ordinary rule or mechanism | Essential qualification |\n| --- | --- | --- |\n| Underlying contract claim | Five or ten years, depending on classification and exceptions. | This is not the post-judgment clock. |\n| Action on a court-of-record judgment | Twenty years under §614.1(6). | Support and marital-distribution exceptions; special judgment statutes remain separate. **C033.** |\n| Judgment of a court not of record | Ten-year category under §614.1(5)(a). | Do not equate every small claim with a non-record judgment. **C034.** |\n| Early action on an Iowa court-of-record judgment | Within nine years, §614.3 requires leave for good cause and reasonable notice to an Iowa-resident adverse party. | The restricted period is not excluded from the twenty-year calculation. **C035.** |\n| Ordinary statutory real-estate judgment lien | Ten years from the judgment under §624.23(1). | Attachment, property exclusions, and recording conditions remain separate. **C036.** |\n| Lien in another Iowa county | Section 624.24 requires filing the specified attested judgment copy there. | Later recording does not establish a new ten-year judgment date. **C036.** |\n| Obtaining a new judgment/lien | A separate action on the original judgment, with entitlement and procedural requirements, is the recognized route. | A motion alone cannot extend the original lien. **C037.** |\n| Execution | Section 626.2 permits execution before the judgment is barred. | A still-enforceable judgment does not prove available assets or a particular levy right. **C038.** |\n| Individual execution return | Section 626.16 requires return on or before the 120th day after issuance. | This is not the judgment’s twenty-year life; §626.27 separately preserves specified garnishment proceedings despite expiration/return. **C038.** |\n| Full satisfaction | Section 624.37 requires acknowledgment and filing in each county where the judgment is a lien. | Expiration, satisfaction, release, and actual unpaid balance are different facts. **C040.** |\n\nSources: §§614.1(5)–(6), .3; §§624.23–.24, .37; §§626.2, .16, .27. [Iowa Legislature+6](https://www.legis.iowa.gov/docs/code/2026/614.1.pdf)\n\n## D2. “Renewal” must describe the actual mechanism\n\nIn **Whitters**, the Supreme Court rejected an attempted lien extension by motion and identified a separate action on the judgment as the route to obtaining a new lien. It did not create an automatic renewal entitlement or an evergreen judgment. **C035–C037; S030.** [FindLaw Caselaw+1](https://caselaw.findlaw.com/court/ia-supreme-court/1231914.html)\n\nThe reviewed ordinary provisions did not establish a separate short dormancy period that automatically replaces the twenty-year framework. That is a bounded finding, not a certification covering every special judgment, stay, execution, or historical transition.\n\nThe current §614.3 text also retains a historical **justice-of-the-peace judgment** clause. It should not silently be rewritten as a rule governing all modern small claims.\n\n## D3. Assignment can matter in special judgment categories\n\nSection 615.1A creates a material exception for **rent judgments sold or assigned for value to certain third parties**: the statute supplies a two-year period from original judgment entry, excluding specified stays, with the stated bank/credit-union exception. Its general rent-judgment and special-assignment branches must be read together. **C039.** [Iowa Legislature](https://www.legis.iowa.gov/docs/code/2026/615.html)\n\nThis defeats a universal statement that judgment assignment can never affect duration. It does not establish the treatment of any actual sale or old judgment; the pertinent 2013/2018 enactment-application history was not fully traced.\n\nSections 615.1–.3 contain other special secured-obligation restrictions. Those are identified as exclusions from the ordinary model, not analyzed as foreclosure or secured-debt merits.\n\n## D4. Satisfaction and actual ownership\n\nA new owner must establish the rights actually transferred; assignment does not itself create a new judgment date. A new judgment does not authorize double collection of the same unpaid obligation.\n\nSection 624.37’s full-satisfaction instrument and county filings address the public record. The statute also contains a request-based enforcement mechanism; this pass does not calculate penalties, interest, payoff amounts, or actual satisfaction. **C040.** [Iowa Legislature](https://www.legis.iowa.gov/docs/code/2026/624.37.pdf)\n\nFor a small-claims judgment ordering installments, §631.12 additionally restricts execution while payments comply and requires the specified default affidavit before enforcement. This is a payment/enforcement condition, not a new limitations period. **C045.** [Iowa Legislature](https://www.legis.iowa.gov/docs/code/2026/631.12.pdf)\n\n## D5. Federal collection and reporting boundaries\n\n**Regulation F:** For an actor and debt covered by the rule, §1006.26 prohibits bringing or threatening legal action on time-barred debt. Its bankruptcy-proof-of-claim exception is express. It is not a universal rule governing every original creditor or every bankruptcy collection act. No withdrawn CFPB guidance is used; this finding rests on the operative regulation. **C041.** [eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26)\n\n**FCRA:** Collection/charge-off reporting ordinarily uses the delinquency immediately preceding collection or charge-off and the statutory seven-year/180-day structure, subject to statutory exceptions. It is not restarted merely by a debt sale or state-law acknowledgment. Civil-judgment reporting has different statutory wording, and actual bureau reporting practices were not investigated. **C042.** [US Code](https://uscode.house.gov/us/usc/119-118/t15/s1681c/)\n\n# E. Source register, part 1 — statutes, rules, and enacted-law status\n\n**Common access record for every row:** Freshly accessed October 27, 2026 PDT/UTC during the observed session identified above. Exact individual fetch times are not assigned. Selected bodies were read; “fresh” does not mean a complete chapter, amendment-chain, or citator audit.\n\n| Source ID | Issuer/title and full literal HTTPS URL(s) | Material body read; pinpoint and version | Status/read limits |\n| --- | --- | --- | --- |\n| **S_IA-P8-S001** | Iowa Legislature, **2026 Code ch. 614**. https://www.legis.iowa.gov/docs/code/2026/614.pdf Section copies: https://www.legis.iowa.gov/docs/code/2026/614.1.pdf https://www.legis.iowa.gov/docs/code/2026/614.5.pdf https://www.legis.iowa.gov/docs/code/2026/614.6.pdf https://www.legis.iowa.gov/docs/code/2026/614.7.pdf https://www.legis.iowa.gov/docs/code/2026/614.8.pdf https://www.legis.iowa.gov/docs/code/2026/614.10.pdf https://www.legis.iowa.gov/docs/code/2026/614.11.pdf https://www.legis.iowa.gov/docs/code/2026/614.13.pdf | §§614.1(4)–(6), .3–.13 and necessary exceptions; chapter printed pp.2, 4–6, PDF indices1,3–5. Relevant chapter/section pages visually inspected. Chapter footer Dec.9,2025; section copies Dec.12,2025. | Compilation supplemented by S002. HTML route failed; §614.3 individual PDF timed out, but its complete body was recovered in chapter PDF. Not all 17 pages analyzed. |\n| **S_IA-P8-S002** | Iowa Legislature, **2026 Acts ch.1150 / SF512**. https://www.legis.iowa.gov/docs/publications/iactc/91.2/CH1150.pdf https://www.legis.iowa.gov/docs/publications/LGE/91/attachments/SF512.html https://www.legis.iowa.gov/legislation/billTracking/billHistory?billName=SF512&ga=91 | Complete one-page act/PDF index0, enrolled text, official passage/approval/effective history. | Approved June2; effective July1,2026. Actual act visually inspected. No separate transition clause found in this act; no complete session-law audit. |\n| **S_IA-P8-S003** | Iowa Legislature, **2026 Code ch.4**. https://www.legis.iowa.gov/docs/code/2026/4.html | §4.1(16), (34), (39), (40); §4.5. | Fresh selected HTML bodies; counting and prospective-operation qualifications only. |\n| **S_IA-P8-S004** | Iowa Legislature, **Iowa UCC**. https://www.legis.iowa.gov/docs/code/2026/554.3118.pdf https://www.legis.iowa.gov/docs/code/2026/554.2725.pdf | Complete one-page sections, each printed p.1/PDF index0; visual inspection. | Iowa-specific accrual and limitation-reference text. Article3/Article2 transaction qualification and full historical transitions not certified. |\n| **S_IA-P8-S005** | Iowa Legislature, **Consumer Credit Code enforcement gateway**. https://www.legis.iowa.gov/docs/code/2026/537.5102.pdf https://www.legis.iowa.gov/docs/code/2026/537.5109.pdf https://www.legis.iowa.gov/docs/code/2026/537.5110.pdf | Complete selected sections; §.5110 printed pp.1–2/indices0–1, including exceptions and subsection7; relevant pages visually inspected. | No complete chapter537, charter, transaction-exemption, or §537.5111 notice-form analysis. |\n| **S_IA-P8-S006** | Iowa Legislature/Judicial Branch, **Civil Procedure Rules**. https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/1.pdf Index: https://www.legis.iowa.gov/law/courtRules/courtRulesListings Orders: https://www.iowacourts.gov/iowa-courts/supreme-court/orders | Rules1.205,1.301,1.302(5),1.402(5),1.419,1.1801; printed pp.1,16–17,22,25,85/PDF indices10,25–26,31,34,94. Selected pages visually inspected. | Official index labeled2026; retrieved chapter bears July2023 footer. Bounded later-order checks did not establish a change to relied-on clauses; not a complete later-order audit. Alternative /docs/rules/current/court/1.pdf route failed. |\n| **S_IA-P8-S007** | Iowa Legislature/Judicial Branch, **Appellate Procedure Rules**. https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/6.pdf | Rule6.904(2)(a)(2), printed p.26/PDF index29, visually inspected. | December2025 compilation; used only to qualify unpublished-opinion use. |\n| **S_IA-P8-S008** | Iowa Legislature, **2026 Code ch.624**. https://www.legis.iowa.gov/docs/code/2026/624.html https://www.legis.iowa.gov/docs/code/2026/624.23.pdf https://www.legis.iowa.gov/docs/code/2026/624.24.pdf https://www.legis.iowa.gov/docs/code/2026/624.37.pdf | §§624.20, .23, .24–.26, .37; selected complete bodies. SectionPDFs pp.1–2/indices0–1 where applicable; pertinent pages visually inspected. | Lien duration/recording/satisfaction only. Homestead, priority, recognition, and special-support merits excluded. |\n| **S_IA-P8-S009** | Iowa Legislature, **2026 Code ch.626**. https://www.legis.iowa.gov/docs/code/2026/626.pdf | §§626.1–.5, .16, .27; printed pp.2,4,6/PDF indices1,3,5, visually inspected. | HTML route failed; PDF recovered text. Not a full execution/garnishment review. |\n| **S_IA-P8-S010** | Iowa Legislature, **2026 Code ch.615**. https://www.legis.iowa.gov/docs/code/2026/615.html | §§615.1–.4, particularly complete §615.1A. | Special-category boundaries; underlying2013/2018 application history not fully read. |\n| **S_IA-P8-S011** | eCFR, **12 CFR1006.26**. https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26 | Complete subsections(a)–(c). | Display current through Oct.23,2026. Actor/debt coverage and other FDCPA provisions remain conditional; no guidance relied upon. |\n| **S_IA-P8-S012** | U.S. House OLRC, **15 USC1681c**. https://uscode.house.gov/us/usc/119-118/t15/s1681c/ | (a)(2),(4), (b), (c), including effective/application language. | Display through Pub.L.119-120, Oct.7,2026. Statutory obsolescence only; bureau policies and complete FCRA not reviewed. |\n| **S_IA-P8-S013** | U.S. House OLRC, **11 USC108 and524**. https://uscode.house.gov/us/usc/119-118/t11/s108/ https://uscode.house.gov/us/usc/119-118/t11/s524/ | §108(a)–(c); §524(a), complete(c), pertinent(d)–(f). | Display through Oct.7,2026. Reaffirmation/discharge/stay gateway only; no bankruptcy case or order supplied. |\n| **S_IA-P8-S014** | U.S. House OLRC, **50 USC3936**. https://uscode.house.gov/us/usc/119-118/t50/s3936/ | Complete section, tax exception and application note. | Military-period boundary only; actual service eligibility and Iowa National Guard statute unverified. |\n| **S_IA-P8-S031** | Iowa Legislature, **Small Claims**. https://www.legis.iowa.gov/docs/code/2026/631.3.pdf https://www.legis.iowa.gov/docs/code/2026/631.12.pdf | Complete one-page sections/PDF index0 each; visually inspected. | Original-notice commencement and installment-judgment enforcement boundary; no full small-claims service/default review. |\n| **S_IA-P8-S032** | Iowa Legislature, **2026 Code ch.554D**. https://www.legis.iowa.gov/docs/code/2026/554D.pdf | §§554D.103(7)–(8), .104, .106, .108, .111; printed pp.2–4/PDF indices1–3 visually inspected. | Fresh narrow classification/attribution read, not reuse of unreviewed P06. UCC scope exclusion preserved; no disclosure rerun. |\n\n# E2. Primary case matrix and source register, part 2\n\n**Publication and read qualification:** The following rows concern actual judicial opinion bodies, not publisher summaries. Justia and FindLaw are disclosed republication hosts. Except for the explicit unpublished row, these are published Iowa appellate opinions. No complete citator or later-law certificate is claimed. Historical statutory numbering is not substituted for the current sections.\n\n| Source ID / opinion and full URL | Court, date, publication/citation | Actual body read and narrow holding | Disposition and limits |\n| --- | --- | --- | --- |\n| **S_IA-P8-S015 — Matherly v. Hanson** https://law.justia.com/cases/iowa/supreme-court/1984/83-1562-0.html | Iowa Supreme Court, Dec.19,1984; **359 N.W.2d450**. | Majority’s written-contract and estoppel analysis, pp.454–458. Papers did not establish the essential written obligation needed for the longer period. | Summary judgment affirmed. Dissent not adopted; no blanket unsigned-contract rule. [Justia Law](https://law.justia.com/cases/iowa/supreme-court/1984/83-1562-0.html) |\n| **S_IA-P8-S016 — Gemini Capital Group, LLC v. New** https://law.justia.com/cases/iowa/court-of-appeals/2011/1-521.html | Iowa Court of Appeals, Sept.8,2011; **No.10-1096, unpublished**; Doyle majority, separate concurrence/dissent. | Majority slip pp.2–7. Generic agreement and the presented account evidence did not establish the written-contract category. | Reversed/remanded. Reasoning only under Rule6.904; not controlling and not counted among the15 published opinions. [Justia Law](https://law.justia.com/cases/iowa/court-of-appeals/2011/1-521.html) |\n| **S_IA-P8-S017 — Capital One Bank (USA), N.A. v. Denboer** https://www.iowacourts.gov/moduledocuments/embed/18628/91046_A30BA3500EA35.pdf | Iowa Court of Appeals, Aug.25,2010; **791 N.W.2d264**, No.09-0354. | Official majority PDF; account-stated analysis, printed pp.11–18/indices10–17, and disposition. Account stated may be available subject to statutory proof requirements. | Reversed/remanded dismissals. **Not a limitations holding** and not proof every statement creates a new contract. [Iowa Judicial Branch](https://www.iowacourts.gov/moduledocuments/embed/18628/91046_A30BA3500EA35.pdf) |\n| **S_IA-P8-S018 — Buttolph v. Geeseka** https://law.justia.com/cases/iowa/supreme-court/1950/47706-0.html | Iowa Supreme Court, Oct.17,1950; **44 N.W.2d434**. | Majority pp.435–436. Later cash dealings/unilateral entries did not extend the earlier account; the particular attorney pleading did not establish revival. | Affirmed. Historical subsection numbering; no universal ruling on all authorized representative signatures. [Justia Law](https://law.justia.com/cases/iowa/supreme-court/1950/47706-0.html) |\n| **S_IA-P8-S019 — In re Estate of Brooks** https://law.justia.com/cases/iowa/supreme-court/1959/49670-0.html | Iowa Supreme Court, Mar.10,1959; **95 N.W.2d287**. | Majority §IV, pp.290–291. Partial payment/oral promise did not replace required signed written acknowledgment. | Affirmed. Probate facts; no general estate-claim deadline imported. [Justia Law](https://law.justia.com/cases/iowa/supreme-court/1959/49670-0.html) |\n| **S_IA-P8-S020 — Schroedl v. McTague (1964)** https://law.justia.com/cases/iowa/supreme-court/1964/51223-0.html | Iowa Supreme Court, June9,1964; **129 N.W.2d19**. | Majority pp.21–23. Tax-return evidence could support acknowledgment when sufficiently tied to the note; originals’ signatures were established and copy objections were not raised. | Directed verdict reversed; remanded for factfinding, not automatic revival judgment. [Justia Law](https://law.justia.com/cases/iowa/supreme-court/1964/51223-0.html) |\n| **S_IA-P8-S021 — Schroedl v. McTague (1969)** https://law.justia.com/cases/iowa/supreme-court/1969/53281-0.html | Iowa Supreme Court, July24,1969; **169 N.W.2d860**. | Majority §IX, pp.866–867. Claimant had to connect the signed entries to interest on the particular note and prove revival; payment alone was insufficient. | Defense verdict affirmed. The intervening1966 opinion was not independently read. [Justia Law](https://law.justia.com/cases/iowa/supreme-court/1969/53281-0.html) |\n| **S_IA-P8-S022 — Frenzel v. Frenzel** https://law.justia.com/cases/iowa/supreme-court/1967/52293-0.html | Iowa Supreme Court, July11,1967; **152 N.W.2d157**. | Majority installment/acceleration discussion, pp.158–160, §§II–VI. Instruments read together; acceleration was not self-executing. | Affirmed. Secured-note facts used only for accrual doctrine; historical foreclosure rules not imported. [Justia Law+1](https://law.justia.com/cases/iowa/supreme-court/1967/52293-0.html) |\n| **S_IA-P8-S023 — Dunn v. General Equities of Iowa, Ltd.** https://law.justia.com/cases/iowa/supreme-court/1982/66050-0.html | Iowa Supreme Court, May19,1982; **319 N.W.2d515**. | Majority §§I–II, pp.516–518. Prior acceptance of late payments supported waiver of acceleration on the record. | Affirmed. Not a universal consumer notice rule or an independent limitations-period decision. [Justia Law](https://law.justia.com/cases/iowa/supreme-court/1982/66050-0.html) |\n| **S_IA-P8-S024 — Cameron v. Hardisty** https://law.justia.com/cases/iowa/supreme-court/1987/86-1307-0.html | Iowa Supreme Court, June17,1987; **407 N.W.2d595**. | Majority pp.596–598. Applied Iowa forum limitation to certified multistate accident facts. | Certified question answered. Does not decide every contractual choice clause or foreign substantive extinguishment. [Justia Law](https://law.justia.com/cases/iowa/supreme-court/1987/86-1307-0.html) |\n| **S_IA-P8-S025 — Kokenge v. Holthaus** https://law.justia.com/cases/iowa/supreme-court/1952/47954-0.html | Iowa Supreme Court, Apr.1,1952; **52 N.W.2d711**. | Majority pp.711–713. Continued amenability to Iowa motorist service defeated the claimed nonresidence extension. | Bar applied. Historical motorist/predecessor-statute context; modern ordinary-debt application remains fact-dependent. [Justia Law](https://law.justia.com/cases/iowa/supreme-court/1952/47954-0.html) |\n| **S_IA-P8-S026 — Downing v. Grossmann** https://caselaw.findlaw.com/court/ia-supreme-court/2170410.html | Iowa Supreme Court, Apr.22,2022; **No.20-1124**, published opinion. | Majority §III, displayed HTML lines95–132. Distinguished repose, accrual, and estoppel; required subsequent independent concealment under the applicable doctrine. | Court of Appeals vacated; district judgment affirmed. Reporter pagination not verified; medical period not imported into debt law. [FindLaw Caselaw+1](https://caselaw.findlaw.com/court/ia-supreme-court/2170410.html) |\n| **S_IA-P8-S027 — Furnald v. Hughes** https://law.justia.com/cases/iowa/supreme-court/2011/10-0180.html | Iowa Supreme Court, Sept.30,2011; **804 N.W.2d273**. | Majority savings analysis, pp.276–282. Strategic voluntary dismissal under the particular circumstances did not satisfy §614.10. | Affirmed. Read with Trask; not all voluntary dismissals are categorically excluded under §614.10. [Justia Law](https://law.justia.com/cases/iowa/supreme-court/2011/10-0180.html) |\n| **S_IA-P8-S028 — Trask v. Ahmed** https://law.justia.com/cases/iowa/supreme-court/2026/25-0671.html https://cases.justia.com/iowa/supreme-court/2026-25-0671.pdf?ts=1780063498 | Iowa Supreme Court, May29,2026; **No.25-0671**, published unanimous opinion. | Majority printed pp.4–14/PDF indices3–13. Legal futility following intervening certificate-law development supported savings without negligent prosecution. | Reversed/remanded. Medical certificate requirements are not generalized to debt suits; reporter citation not verified. [Justia Law](https://cases.justia.com/iowa/supreme-court/2026-25-0671.pdf?ts=1780063498) |\n| **S_IA-P8-S029 — Rucker v. Taylor** https://law.justia.com/cases/iowa/supreme-court/2013/111394.html https://cases.justia.com/iowa/supreme-court/111394.pdf?ts=1396154078 | Iowa Supreme Court, Mar.22,2013; **828 N.W.2d595**. | Majority printed pp.2–15/indices1–14. Particular communications and conduct established good cause for late service. | Denial of dismissal affirmed; remanded. Dissent begins printed p.16 and is not relied upon. [Justia Law](https://cases.justia.com/iowa/supreme-court/111394.pdf?ts=1396154078) |\n| **S_IA-P8-S030 — Whitters v. Neal** https://caselaw.findlaw.com/court/ia-supreme-court/1231914.html | Iowa Supreme Court, Dec.22,1999; **No.98-2181**, published opinion. | Complete short majority, especially §II, displayed HTML lines71–103. Motion alone could not extend the original lien; separate action identified. | Reversed/remanded to deny motion. Reporter pagination not verified; no automatic new-judgment entitlement. [FindLaw Caselaw+1](https://caselaw.findlaw.com/court/ia-supreme-court/1231914.html) |\n\n### Unpublished-opinion qualification\n\nThe retrieved December2025 appellate rule is **6.904(2)(a)(2)**. It permits unpublished opinions as persuasive reasoning, not controlling authority, and specifies docket/electronic-database citation and, when necessary, attachment requirements. **Gemini is used only on that basis.** No Westlaw number was verified or invented. No brief or court filing is being prepared. **C046.** [Iowa Legislature](https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/6.pdf)\n\n# F. Four independently worked fictional models\n\n## Shared counting assumptions\n\nThese are fictional research models, not actual filing or payment recommendations.\n\nUnless a branch says otherwise:\n\n- Iowa law governs the stipulated ordinary claim.\n- No discharge, fraud, release, special-sector rule, military period, disability, borrowing, or tolling applies.\n- A calendar year is twelve months; a month is a calendar month.\n- The triggering day is excluded and the terminal day included under the applicable counting rule.\n- Listed weekday endpoints are assumed not to be statutory holidays or extraordinary clerk-closure days.\n- Future endpoints assume unchanged relevant law.\n- Dates are computed anniversaries under stipulated legal predicates, not a guarantee that the last instant is safe.\n\n## M01 — Signed writing versus oral/open-account/card alternatives\n\n### Stipulated written-note facts\n\nA genuine, authenticated signed note qualifies as an Article3 time instrument. It requires three separately due installments:\n\nPlain text\n```\nInstallment 1 maturity: June 30, 2015\nInstallment 2 maturity: June 30, 2016\nFinal installment maturity: June 30, 2017\n```\n\nNo acceleration occurs initially. Section554.3118(1)(a)’s day-after-maturity rule and the stipulated ten-year written-contract category apply.\n\nPlain text\n```\nInstallment 1:\nJune 30, 2015 + 1 day = July 1, 2015 accrual\nJuly 1, 2015 + 10 calendar years = July 1, 2025, Tuesday\n\nInstallment 2:\nJune 30, 2016 + 1 day = July 1, 2016 accrual\nJuly 1, 2016 + 10 calendar years = July 1, 2026, Wednesday\n\nFinal installment:\nJune 30, 2017 + 1 day = July 1, 2017 accrual\nJuly 1, 2017 + 10 calendar years = July 1, 2027, Thursday\n```\n\nOne missed installment does not, on these facts, make all three dates July1,2025. **C003, C009–C010.**\n\n### Effective-acceleration alternative\n\nAssume the authentic agreement gives an enforceable option, all applicable cure/notice requirements have been satisfied, no waiver defeats it, and an effective election makes the previously unmatured balance due **August3,2015**.\n\nPlain text\n```\nAccelerated maturity: August 3, 2015\nDay-after accrual: August 4, 2015\nTen-year anniversary: August 4, 2025, Monday\n```\n\nThis calculation concerns the accelerated unmatured balance. It does not silently restart an already accrued installment. If acceleration was ineffective, the original installment schedule remains the alternative requiring analysis. **C011–C012.**\n\n### Different-obligation alternatives\n\nPlain text\n```\nStipulated oral-contract accrual: July 1, 2015\nApplicable period: 5 years\nComputed anniversary: July 1, 2020, Wednesday\n```\n\nFor a genuinely continuous unwritten open account with its **last proved qualifying item** on July1,2015, the same five-year arithmetic follows—but only after §614.5 classification is established.\n\nFor a card file containing generic unsigned terms, none of the above classifications is automatic. Missing authenticated terms or missing linkage to the debtor prevents selection of one asserted date.\n\n**Adverse branch:** If a required cure notice was absent, the August acceleration date is not established. If the writings do not establish the contractual obligation, ten years is not established. The arithmetic remains correct only within its stipulated branch. Sources: S001, S004–S005, S015–S017, S022–S023. [Iowa Legislature+2](https://www.legis.iowa.gov/docs/code/2026/554.3118.pdf)\n\n## M02 — Pre-expiry and post-expiry acknowledgment versus payment\n\n### Original obligation\n\nAssume a genuine written note has established accrual on **May6,2015**.\n\nPlain text\n```\nMay 6, 2015 + 10 calendar years\n= May 6, 2025, Tuesday\n```\n\n### Branch A: qualifying pre-expiry acknowledgment\n\nOn **May1,2025**, the debtor personally signs an unconditional writing identifying the note and admitting it remains unpaid.\n\nAssume a court finds §614.11 satisfied and a renewed ten-year period for that same written-note claim begins on that date.\n\nPlain text\n```\nEffective acknowledgment: May 1, 2025\nStipulated renewed period: 10 years\nComputed anniversary: May 1, 2035, Tuesday\n```\n\n### Branch B: qualifying post-expiry acknowledgment\n\nInstead, the same qualifying event occurs **June5,2025**, after the original anniversary.\n\nPlain text\n```\nOriginal anniversary: May 6, 2025\nLater acknowledgment: June 5, 2025\n\nIf statutory revival is established:\nJune 5, 2025 + 10 years = June 5, 2035, Tuesday\n```\n\nThe legal predicate is actual statutory revival, not merely a later transaction. The model does not establish a new ten-year period for every acknowledgment of an oral obligation or a conditional future promise.\n\n### Branch C: no qualifying writing\n\nThe debtor makes a **$25 payment** after May6,2025 but signs no qualifying acknowledgment or promise.\n\nPlain text\n```\nBare payment alone:\nNo new endpoint established under the Iowa authorities read.\nOriginal computed anniversary remains May 6, 2025.\n```\n\nA signed check or electronic payment record could present a different evidentiary question if its content and attribution amount to the required acknowledgment. The fact of payment alone is insufficient.\n\n### Non-debtor entries\n\nPlain text\n```\nCollector account credit: $100\nDebt purchaser's acquisition price: $200\n```\n\nNeither is stipulated to be money paid by the debtor, much less a signed admission by the party charged. No restart is calculated.\n\n**Adverse branches:** An unauthorized family payment, an attorney’s disputed proposal, a conditional settlement offer, a writing referring to another debt, or a discharged obligation defeats the assumed simple revival calculation until the missing legal predicates are resolved. **C014–C019, C026.** [Iowa Legislature+2](https://www.legis.iowa.gov/docs/code/2026/614.11.pdf)\n\n## M03 — Borrowing, tolling, savings, filing, and service\n\nThese are **separate alternatives**, not cumulative additions to one clock.\n\n### Base Iowa branch\n\nPlain text\n```\nStipulated oral-contract accrual: July 15, 2020\nPeriod: 5 calendar years\nBase anniversary: July 15, 2025, Tuesday\n```\n\n### Foreign-bar alternative\n\nAssume—not as a finding about any actual jurisdiction—that:\n\n- The cause arose outside Iowa.\n- The defendant previously resided in the relevant foreign jurisdiction.\n- Its applicable law fully bars this claim after four years.\n- No foreign tolling, revival, or other exception applies.\n- Section614.7 applies to the stipulated circumstances.\n\nPlain text\n```\nJuly 15, 2020 + 4 years\n= July 15, 2024, Monday\n```\n\nThat foreign bar can matter even though the Iowa scalar date is July15,2025. Without those predicates, the four-year date is only a hypothetical comparison.\n\n### Statutory-prohibition alternative\n\nInstead, retain Iowa’s five-year branch and stipulate an actual qualifying prohibition under §614.13 covering **June1–June30,2025 inclusive**, with no chapter exception.\n\nPlain text\n```\nExcluded days: 30 calendar days\nBase anniversary: July 15, 2025\n\nJuly 16–July 31: 16 days\nAugust 1–August 14: 14 days\nTotal added: 30 days\n\nAdjusted computed endpoint: August 14, 2025, Thursday\n```\n\nAccrual remains July15,2020. The excluded period does not change the original accrual event.\n\n### Commencement/service alternative\n\nAssume a regular district-court petition is filed **July10,2025**, before the unadjusted July15 anniversary.\n\nPlain text\n```\nService count begins after July 10:\n\nJuly 11–31 = 21 days\nAugust = 31 days; cumulative 52\nSeptember = 30 days; cumulative 82\nOctober 1–8 = 8 days; cumulative 90\n\nNinetieth day: October 8, 2025, Wednesday\n```\n\nService on October9 is outside that nominal period. The action is not automatically lost in every circumstance: Rule1.302(5)’s court-order and good-cause branches must be applied. But filing on July10 does not immunize negligent later service.\n\n### Savings alternative\n\nAssume the timely first action legally fails on **November3,2025** for a reason satisfying §614.10 and **not** negligent prosecution.\n\nPlain text\n```\nNovember 3, 2025 + 6 calendar months\n= May 3, 2026, Sunday\n\nAssuming ordinary commencement counting applies\nand the clerk is open on the next day:\nAdjusted filing endpoint = May 4, 2026, Monday\n```\n\nThis is not “180 days.” If the dismissal instead results from negligent prosecution, the model does not establish savings. A goods action may also invoke §554.2725’s differently worded savings provision.\n\n**Adverse branch:** Actual foreign law, an inapplicable injunction, negligent service, or a different failure date changes the outcome. No silent switch among those branches is permitted. **C020–C032, C044.** [Iowa Legislature+4](https://www.legis.iowa.gov/docs/code/2026/614.7.pdf)\n\n## M04 — Entered judgment, lien, execution, and a new action\n\n### Original judgment\n\nAssume an ordinary Iowa district-court money judgment of a court of record was rendered and properly entered on **June2,2014**. It is not a rent, support, marital-distribution, secured-obligation, or foreign-recognition judgment. No stay, discharge, satisfaction, or special exception applies.\n\nPlain text\n```\nNine-year point:\nJune 2, 2014 + 9 years = June 2, 2023, Friday\n\nTen-year original lien anniversary:\nJune 2, 2014 + 10 years = June 2, 2024, Sunday\n\nTwenty-year judgment-action anniversary:\nJune 2, 2014 + 20 years = June 2, 2034, Friday\n```\n\nThe Sunday lien anniversary is a fixed-duration question, not automatically a filing deadline extended to Monday. This model does **not** claim an extra day of lien existence.\n\n### Proper separate-action alternative\n\nAssume the legally entitled judgment creditor commences a separate action on **June5,2023**, proves ownership and the unpaid judgment, complies with required process, and obtains a genuinely new judgment on **October5,2023**.\n\nPlain text\n```\nNew judgment date: October 5, 2023, Thursday\n\nNew lien anniversary, assuming proper attachment:\nOctober 5, 2023 + 10 years = October 5, 2033, Wednesday\n\nNew judgment-action anniversary:\nOctober 5, 2023 + 20 years = October 5, 2043, Monday\n```\n\nThe new dates arise from the stipulated **new judgment**, not from filing a motion, recording a copy, selling the old judgment, or renewing a provider license. Actual priority and duplicate-recovery questions are not decided.\n\n### Adverse alternatives\n\n- **Only a “renewal” motion filed:** Whitters does not permit that motion alone to extend the original lien.\n- **No new judgment obtained:** The new October2023 dates do not exist.\n- **Assignment only:** No new original judgment date is created.\n- **Full satisfaction:** Remaining enforceability cannot be inferred from the twenty-year outer framework.\n- **Rent judgment assigned for value:** §615.1A requires a separate analysis; this ordinary model cannot be reused.\n- **Original lien expired but judgment remains unbarred:** The two objects remain distinct; actual execution and property rights need separate authority and facts.\n- **Individual writ:** Its 120-day return framework is not a new twenty-year judgment period.\n\n**C033–C040.** [Iowa Legislature+3](https://www.legis.iowa.gov/docs/code/2026/614.pdf)\n\n# G. Twenty-two smaller distinct postures\n\n| ID / stage | Stipulated posture and rule/source | Conditional consequence | Exact missing fact or gap |\n| --- | --- | --- | --- |\n| **P01 — Classification** | Signed page, missing incorporated repayment terms. C004; S015. | Signature alone does not establish the written obligation. | Authentic complete writings and incorporation. |\n| **P02 — Classification** | Oral loan, alleged due date disputed. C002. | Five-year category may apply, but no endpoint follows yet. | Enforceable obligation and actual accrual date. |\n| **P03 — Card claim** | Generic card terms attached to complaint. C006; S016. | No automatic ten-year classification. | Debtor linkage, governing version, assent; unpublished-case limit. |\n| **P04 — Open account** | Creditor adds an old tax/collection charge years later. C007; S018. | Unilateral entry need not be a new qualifying last item. | Continuous account and legally relevant transaction. |\n| **P05 — Account stated** | Consumer receives a statement and does not respond. C008; S017. | Does not automatically establish a replacement contract or new limitation. | Actual assent and limitations treatment. |\n| **P06 — Installments** | First installment missed, final maturity years later. C010. | Separate installments can have separate clocks. | Schedule and effective acceleration. |\n| **P07 — Acceleration** | Contract permits election, but no election or required cure shown. C011–C012. | Whole-balance acceleration date remains unproved. | Authentic term, notice, cure, waiver, positive election. |\n| **P08 — Post-expiry payment** | Consumer pays a small amount without signed admission. C015. | Bare payment does not establish revival. | Any qualifying associated writing. |\n| **P09 — Representative payment** | Family member or co-obligor pays. C017. | No automatic revival against another person. | Authority and party-to-be-charged acknowledgment. |\n| **P10 — Negotiation** | Lawyer writes “client disputes liability but offers compromise.” C014, C017. | No automatic unpaid-debt admission or estoppel. | Full language, authority, signatures, reliance. |\n| **P11 — Sale** | Portfolio buyer pays pennies on balance. C019. | Purchase price is not debtor payment. | Actual transferred rights and applicable UCC exception. |\n| **P12 — Foreign law** | Choice clause names another state. C020–C021. | No automatic shortest or longest period. | Clause scope, cause location, residency, foreign law. |\n| **P13 — Disability** | Debtor becomes mentally ill after default. C022. | Claimant-protection statute is not automatically creditor tolling. | Protected claimant and statutory qualification. |\n| **P14 — Concealment** | Party alleges original fraud but no later concealment. C024; S026. | Estoppel cannot be assumed from the original wrong alone. | Required concealment, knowledge, intent, reliance; later-law application. |\n| **P15 — Dismissed action** | Timely suit voluntarily dismissed. C030; S027–S028. | Savings depends on why it failed, not the label alone. | Negligence, necessity/futility, failure date. |\n| **P16 — Late service** | Petition timely; ninety days pass. C029; S029. | Dismissal/extension depends on rule and facts. | Good cause, court direction, service record. |\n| **P17 — Wrong defendant** | Claimant substitutes another party after expiry. C031. | Relation back is not automatic. | Timely notice, mistake knowledge, prejudice. |\n| **P18 — Old judgment** | Original lien anniversary passed; judgment under twenty years. C033–C038. | Lien lapse does not necessarily equal judgment bar. | Actual dates, special category, execution conditions. |\n| **P19 — Reporting** | Collector buys an account and changes its internal date. C042. | Internal sale date does not replace FCRA’s statutory delinquency trigger. | Actual preceding delinquency, cure history, reporting exception. |\n| **P20 — Military** | Alleged active service overlaps limitation. C027. | Qualifying service can exclude time. | Statutory service status and exact dates; state Guard law separate. |\n| **P21 — Bankruptcy** | Voluntary payment after discharge. C026. | Payment is not automatically enforceable reaffirmation. | Discharge scope and §524 compliance. |\n| **P22 — Special forum/sector** | Tribal, foreign-country, federal-tax, or special secured judgment. C034, C039, C047. | Ordinary Iowa model cannot be transplanted. | Governing forum, recognition law, special statute and transition. |\n\nThese postures are applications of the identified sources, not additional independent authorities or findings about real accounts.\n\n# H. Atomic claim register — S_IA-P8-C001–C048\n\n“High” means strong support for the stated text or narrow holding—not certainty about an unidentified account. “Conditional” identifies a rule whose application requires missing facts.\n\n| Claim ID | Precise proposition | Source/pinpoint | Predicates, consequence, confidence, exact gap |\n| --- | --- | --- | --- |\n| **S_IA-P8-C001** | Chapter1150 amended §614.1’s introduction effective July1,2026 without replacing the examined numerical periods. | S002 §1; official history. | High; pending-case/equitable construction not fully resolved. |\n| **S_IA-P8-C002** | Ordinary unwritten-contract actions fall within five years under §614.1(4). | S001 §614.1(4). | High; accrual and statutory exceptions required. |\n| **S_IA-P8-C003** | Written-contract category is ten years; rent claims have a five-year exception. | S001 §614.1(5)(a)–(b). | High; actual category unproved. |\n| **S_IA-P8-C004** | A writing must establish the essential obligation; signatures or miscellaneous papers alone are insufficient. | S015 pp.454–457. | High narrow holding; actual writings absent. |\n| **S_IA-P8-C005** | Qualifying electronic records/signatures may count, but attribution, scope, and substantive contract law remain necessary. | S032 §§.103,.104,.106,.108,.111. | High; UCC exclusions and actual assent held. |\n| **S_IA-P8-C006** | Card limitation cannot be assigned solely from the product label or generic agreement. | S015; S016 majority pp.5–7. | Conditional; Gemini unpublished. |\n| **S_IA-P8-C007** | A continuous open current account accrues at its last qualifying item proved at trial. | S001 §614.5; S018 pp.435–436. | High; unilateral entry may not qualify. |\n| **S_IA-P8-C008** | Account stated is a possible theory, not proof of a new limitations period. | S017 printed pp.11–18. | Holding concerns proof; barred-debt replacement question unresolved. |\n| **S_IA-P8-C009** | Iowa Article3 time/demand instrument accrual follows §554.3118, not an imported uniform six-year provision. | S004 §554.3118(1). | High; instrument/party qualification required. |\n| **S_IA-P8-C010** | Installments can accrue separately absent effective acceleration. | S022 pp.158–160. | High doctrine; actual schedule absent. |\n| **S_IA-P8-C011** | Optional acceleration requires operative exercise and may be waived by conduct. | S022 §VI; S023 §§I–II. | Conditional; automatic-clause construction not universal. |\n| **S_IA-P8-C012** | Covered consumer-credit enforcement must satisfy applicable default/cure conditions before acceleration or action. | S005 §§537.5102,.5109,.5110. | High text; transaction coverage and valid notice unproved. |\n| **S_IA-P8-C013** | Charge-off, demand, collection placement, or sale is not a universal accrual trigger. | S001 §§614.1,.5; S004; S022. | Inference from specified triggers; actual contract needed. |\n| **S_IA-P8-C014** | Section614.11 requires a signed written unpaid-debt admission or like new promise. | S001 §614.11. | High; content, party, signature, and debt identity required. |\n| **S_IA-P8-C015** | Bare partial payment or oral promise does not itself establish statutory revival. | S019 §IV; S021 §IX. | High; accompanying qualifying writing may change result. |\n| **S_IA-P8-C016** | Claimant must prove the written acknowledgment relates to the debt; ambiguous entries can fail. | S020 pp.21–23; S021 pp.866–867. | High; preponderance in Schroedl, actual evidence absent. |\n| **S_IA-P8-C017** | Representative/co-obligor conduct is not automatically the acknowledgment of every party charged. | S001 §614.11; S018. | Conditional; agency/authorization law not exhaustively researched. |\n| **S_IA-P8-C018** | Revival can concern an otherwise barred contract; resulting trigger depends on the qualifying acknowledgment/promise and claim. | S001 §614.11; S020–S021. | High gateway; conditional/new-promise and oral-debt period questions held. |\n| **S_IA-P8-C019** | Outside the UCC, assignment preserves the defenses specified in Rule1.205; acquisition price is not debtor payment. | S006 Rule1.205; S001 §614.11. | High text/inference; ownership and UCC status unproved. |\n| **S_IA-P8-C020** | Iowa forum limitation and §614.7 borrowing require distinct analysis. | S024 pp.596–598; S001 §614.7. | High; foreign complete bar/residency/non-Iowa origin unproved. |\n| **S_IA-P8-C021** | A choice clause or foreign period alone does not settle procedural/substantive classification. | S024; S001 §614.7. | Conditional; actual clause and foreign law missing. |\n| **S_IA-P8-C022** | Section614.8 protects specified claimants through its disability/minority extension. | S001 §614.8(1)–(2). | High; not automatic tolling from debtor illness. |\n| **S_IA-P8-C023** | Nonresidence and unknown-person provisions are conditional; service amenability matters under Kokenge. | S001 §614.6; S025 pp.711–713. | High text/historical holding; modern application unresolved. |\n| **S_IA-P8-C024** | Discovery/accrual, statutory tolling, and concealment estoppel are distinct doctrines. | S001 §614.4; S026 §III. | High distinction; ordinary-debt and2026-act application qualified. |\n| **S_IA-P8-C025** | A qualifying prohibition on commencement excludes its duration under §614.13, subject to chapter exceptions. | S001 §614.13. | High; order/statute and dates missing. |\n| **S_IA-P8-C026** | Bankruptcy extension, discharge, reaffirmation, and voluntary repayment must be separately tested. | S013 §§108(c),524(a),(c),(e)–(f). | High gateway; no actual bankruptcy facts. |\n| **S_IA-P8-C027** | SCRA §3936 excludes qualifying military-service time, with stated exceptions. | S014 §3936(a)–(c). | High; status/dates and state-only service held. |\n| **S_IA-P8-C028** | Regular action commencement uses petition filing; small claims uses original-notice filing. | S006 Rule1.301; S031 §631.3. | High; forum and later service requirements separate. |\n| **S_IA-P8-C029** | Ninety-day service rule includes dismissal/alternative-direction and good-cause branches. | S006 Rule1.302(5); S029 pp.5–15. | High; not a guaranteed extension. |\n| **S_IA-P8-C030** | Section614.10 supplies six-month continuation only after qualifying nonnegligent failure. | S001 §614.10; S027–S028. | High; reason/date of failure indispensable. |\n| **S_IA-P8-C031** | Relation back has occurrence and additional changed-party conditions. | S006 Rule1.402(5). | High; no automatic correction of wrong defendant. |\n| **S_IA-P8-C032** | Calendar and terminal-day rules must be applied to the particular period. | S003 §4.1(16),(34),(40); S006 Rule1.1801. | High; actual closure/holiday and fixed-lien duration issues separate. |\n| **S_IA-P8-C033** | Ordinary court-of-record judgment actions have a twenty-year statutory category. | S001 §614.1(6). | High; express support/marital and special-statute exceptions. |\n| **S_IA-P8-C034** | Non-record judgments have a different ten-year category. | S001 §614.1(5)(a). | High; actual court classification required. |\n| **S_IA-P8-C035** | Early action on an Iowa record judgment within nine years requires statutory leave/notice; those years are not excluded. | S001 §614.3. | High; historical justice-of-peace clause not generalized. |\n| **S_IA-P8-C036** | Ordinary judgment lien duration and county attachment are governed separately by §§624.23–.24. | S008 §§624.23(1),624.24. | High; no property/priority conclusion. |\n| **S_IA-P8-C037** | A motion alone does not extend the original lien; separate judgment action is the recognized route. | S030 §II. | High narrow holding; entitlement to new judgment unproved. |\n| **S_IA-P8-C038** | Judgment enforcement, individual execution return, and continuing garnishment are different timing questions. | S009 §§626.2,.16,.27. | High text; 120-day return is not judgment duration. |\n| **S_IA-P8-C039** | Assigned-for-value rent judgments can trigger §615.1A’s special two-year rule. | S010 §615.1A. | High current compilation; actual actor/stays and historical application held. |\n| **S_IA-P8-C040** | Full satisfaction requires the statutory acknowledgment/filing process; it is not mere lapse of time. | S008 §624.37. | High; balance, recipient, filings, and remedy facts absent. |\n| **S_IA-P8-C041** | Covered debt collectors may not bring/threaten time-barred legal action, subject to the bankruptcy-proof exception. | S011 §1006.26. | High; actual actor/debt coverage unproved. |\n| **S_IA-P8-C042** | FCRA reporting clocks differ from state claim/judgment clocks and have statutory exceptions. | S012 §1681c(a),(b),(c). | High; actual reporting practices and delinquency facts absent. |\n| **S_IA-P8-C043** | Limitations proof does not establish underlying debt validity; defensive avoidance and revival have separate pleading/proof burdens. | S006 Rule1.419; S015; S021; S013 §524. | High distinction; no actual obligation adjudicated. |\n| **S_IA-P8-C044** | Iowa goods limitations refer to chapter614 and contain separate reduction/accrual/savings conditions. | S004 §554.2725(1)–(4). | High; no imported four-year period. |\n| **S_IA-P8-C045** | Installment small-claims judgments have compliance/default-affidavit enforcement conditions. | S031 §631.12(1). | High; does not create a fresh judgment period. |\n| **S_IA-P8-C046** | Gemini is unpublished and usable only within the applicable noncontrolling-reasoning citation rule. | S007 Rule6.904(2)(a)(2); S016. | High for retrieved rule; no filing prepared. |\n| **S_IA-P8-C047** | This pass verifies selected current texts and one2026 amendment, not every later law, transition, or negative-treatment event. | Source-version/read records. | Confirmed research limitation. |\n| **S_IA-P8-C048** | Section614.12 permits only its conditional defensive use of an otherwise barred counterclaim, not ordinary affirmative recovery. | S001 §614.12. | High; ownership/timing predicates and actual pleading absent. |\n\n# I. Complete component coverage reconciliation\n\n**Status meaning:** “Answered” means the identified general text or narrow holding is supported—not that any actual account is classified. “Partial” means material doctrine is established but an identified legal or factual issue remains. “Unresolved” is not an adverse conclusion. Exclusions remain required later work.\n\n| Coverage ID / requested issue | Status | Claims | Exact missing evidence or next investigation |\n| --- | --- | --- | --- |\n| **CV01 — Current periods and2026 amendment** | Answered with currentness limit | C001–C003,C047 | Complete other-enactment audit and post-amendment construction. |\n| **CV02 — Written-contract category** | Partial | C003–C004 | Authentic obligation, complete terms, applicable published-case comparison. |\n| **CV03 — Unsigned/electronic classification** | Partial | C005–C006 | Assent, attribution, incorporation, UCC scope and actual record. |\n| **CV04 — Card/open-account distinction** | Partial | C006–C007 | Actual claim theory and transaction history; modern controlling card-SOL opinion not located. |\n| **CV05 — Account stated** | Partial | C008 | Actual assent and a responsive holding on limitation/revival of an already barred account. |\n| **CV06 — Notes/demand/time instruments** | Answered conditionally | C009 | Instrument status, maturity and special instrument provisions. |\n| **CV07 — Separate installments** | Answered conditionally | C010 | Actual schedule and maturity events. |\n| **CV08 — Optional/automatic acceleration and cure** | Partial | C011–C012 | Authentic clause, election, waiver, valid notice, coverage; no universal automatic-clause rule. |\n| **CV09 — Charge-off/first-miss/sale accrual** | Answered as nonautomatic | C013 | Actual legally operative trigger. |\n| **CV10 — Validity and burdens** | Partial | C016,C043 | Actual debt, identity, defenses, summary-judgment record; full merits excluded. |\n| **CV11 — Written acknowledgment/new promise** | Answered at gateway | C014,C016 | Actual signed content and identified debt. |\n| **CV12 — Before/after expiry and resulting duration** | Partial | C018 | Conditional promises, novations, oral-debt conversion, exact revival date. |\n| **CV13 — Partial/interest/token payment** | Answered as insufficient alone | C015 | Associated signed admission/promise, if any. |\n| **CV14 — Attorney/agent/co-obligor/representative acts** | Partial | C017,C026 | Authority, each party charged, insolvency/estate law where relevant. |\n| **CV15 — Sale and assignee rights** | Partial | C019,C039 | Chain of title, UCC status, rent-judgment exception, actual transfer terms. |\n| **CV16 — Forum law/borrowing** | Partial | C020 | Cause location, prior residence, complete foreign bar. |\n| **CV17 — Choice clauses/foreign substantive law** | Unresolved for actual transaction | C021 | Clause and foreign statute/cases; no shortest/longest shortcut. |\n| **CV18 — Disability/minority** | Answered conditionally | C022 | Protected claimant, disability and termination dates, exceptions. |\n| **CV19 — Absence/nonresidence/unknown identity** | Partial | C023 | Modern service amenability and actual statutory eligibility. |\n| **CV20 — Discovery/concealment/estoppel** | Partial | C024,C001 | Ordinary-debt facts, proof elements, post2026 construction. |\n| **CV21 — Statutory/injunction tolling** | Answered conditionally | C025 | Actual prohibition and dates; chapter exceptions. |\n| **CV22 — Bankruptcy boundary** | Partial | C026 | Stay/discharge/reaffirmation orders and governing suspension law. |\n| **CV23 — Military boundary** | Partial | C027 | Service status/dates; Iowa §29A.98 and state-only service remain open. |\n| **CV24 — Savings/dismissal/recommencement** | Answered conditionally | C030,C044 | Reason/date of failure; distinguish goods savings provision. |\n| **CV25 — Commencement to stop clock** | Answered by forum category | C028 | Actual filing; federal/other-forum commencement excluded. |\n| **CV26 — Service preservation** | Partial | C029 | Actual service, good cause, extension, court direction; no answer/default analysis. |\n| **CV27 — Relation back** | Answered conditionally | C031 | Same occurrence, notice, prejudice, identity mistake. |\n| **CV28 — Counting/weekends/holidays** | Answered for stipulated models | C032 | Actual clerk closure and future-law verification; fixed-lien issue qualified. |\n| **CV29 — Court-of-record judgment duration** | Answered conditionally | C033 | Actual court/category/date, stays, satisfaction, special statutes. |\n| **CV30 — Non-record/small-claims distinction** | Partial | C034,C045 | Actual tribunal status and installment order; not all small claims deemed non-record. |\n| **CV31 — Action on judgment/early leave** | Answered | C035 | Actual creditor entitlement, petition, notice and order. |\n| **CV32 — Lien duration/recording** | Answered at gateway | C036 | Property, county filings, exemptions and priority excluded. |\n| **CV33 — New judgment versus motion renewal** | Answered at mechanism level | C037 | Actual new action/judgment; no automatic entitlement. |\n| **CV34 — Dormancy/individual writ/continuing process** | Partial | C038 | No extra universal dormancy period established; special process facts and exceptions remain. |\n| **CV35 — Changed judgment ownership/special rent** | Partial | C019,C039 | Transfer facts and2013/2018 application history. |\n| **CV36 — Satisfaction/release** | Answered at gateway | C040 | Actual payoff, instrument, county entries; full remedies/interest model excluded. |\n| **CV37 — Federal time-barred-suit overlay** | Answered conditionally | C041 | Actual FDCPA/RegulationF actor and debt coverage. |\n| **CV38 — Reporting clock separation** | Answered conditionally | C042 | Delinquency/cure history, statutory exceptions; complete FCRA excluded. |\n| **CV39 — Defensive counterclaim** | Answered conditionally | C048 | Statutory ownership and timing; no affirmative recovery inferred. |\n| **CV40 — Published cases and unpublished status** | Answered with citator limit | C046–C047 | Complete later-treatment review, reporter citations not verified for specified rows. |\n| **CV41 — Four models and22 smaller postures** | Completed as fictional analysis | Relevant claims above | No actual client facts; conditional results cannot be operationalized. |\n| **CV42 — Federal court/local/tribal/international** | Excluded except boundaries | C020,C027,C036,C047 | Forum-specific commencement, recognition, jurisdiction and tribal law. |\n| **CV43 — Special sectors and broader merits** | Excluded except necessary distinctions | C003,C012,C026,C039,C044 | Secured debt, tax, support, education, estates, garnishment, exemptions and full litigation. |\n| **CV44 — Actual-account/currentness/acceptance limits** | Unresolved | C043,C047 | No actual obligation, payment, assignment, judgment, service or account; no complete later-law/citator certificate. |\n\n# J. Scope and contribution crosswalk\n\n| Authorized remainder | PASS-08 contribution | What remains open |\n| --- | --- | --- |\n| Ordinary limitation, accrual, acknowledgment, payment, sale | Classification framework, current statutory periods, revival distinctions, responsive cases, conditional models. | Actual agreement classification, foreign law, agency attribution, conditional promises and unresolved modern interpretations. |\n| Judgment duration/renewal distinction | Twenty-year action framework, nine-year early-action restriction, ten-year lien, separate-action mechanism, execution-return distinction, rent-assignment exception. | Actual judgment, ownership, remaining balance, lien priority, foreign recognition, full enforcement, satisfaction remedies and interest. |\n| Collection/court/limitations parent | Only commencement/service preservation, savings, relation back, and narrow federal boundaries necessary to this component. | General service, answer/default/vacatur, evidentiary merits, standing proof, litigation procedures, garnishment and exemptions. |\n| Prior provider/funds/bond/agreement work | Preserved at its original reviewed or unreviewed status. No P04/P06 premise imported; no P07 surety-service deadline generalized. | All prior currentness, ARC0368D, records, provider, contract, funds, bond, local/tribal/sector and seven-parent-dimension holds. |\n\nThe crosswalk is a scope record, not additional accepted coverage.\n\n# K. Researcher self-check and exact residual evidence gaps\n\n## Actual work performed\n\nThe public-law research freshly opened operative Iowa statutes, the relevant 2026 enacted amendment and official bill history, selected court-rule bodies, federal statutory/regulatory provisions, and the majority bodies identified in the case matrix.\n\nSelected PDF pages were visually inspected, including the limitation provisions, enacted amendment, Iowa UCC sections, consumer-credit cure provisions, civil/appellate rules, judgment and execution provisions, small-claims sections, narrow electronic-record provisions, and the relevant pages of the available opinion PDFs. This does **not** claim visual inspection of every page of every chapter or opinion.\n\nThe four models were separately calculated using calendar-date arithmetic. No prior fee, funds, bond, or agreement example was rerun.\n\n## Failed or limited routes\n\n- https://www.legis.iowa.gov/docs/code/2026/614.html did not supply usable content; the official chapter PDF supplied the operative text.\n- https://www.legis.iowa.gov/docs/code/2026/614.3.pdf timed out; its complete provision was read in the chapter PDF.\n- https://www.legis.iowa.gov/docs/rules/current/court/1.pdf failed; the official ACO chapter PDF and court-rule index supplied the selected text.\n- https://www.legis.iowa.gov/docs/code/2026/626.html failed; the official chapter PDF supplied the text.\n- The **Christy v. Miulli** landing route did not produce a freshly read underlying majority body. It is not counted; **Downing’s own holding** is the source used.\n- The underlying **Burns** opinion and the intermediate1966 **Schroedl** opinion were not recovered/read as independent primary evidence and are not counted merely because another opinion refers to them.\n\nThese failures are preserved as route limitations, not evidence that the law is absent.\n\n## Remaining legal research gaps\n\nThe most consequential unresolved legal issues are:\n\n1. A modern controlling Iowa majority decision squarely classifying the full range of current credit-card/electronic-account records for §614.1 purposes.\n2. The limitation consequences of a genuinely new, conditional promise or account-stated agreement after an earlier claim has become barred.\n3. Modern ordinary-debt application of nonresidence tolling where the defendant remains amenable to service.\n4. Full construction of the July1,2026 amendment in pending/pre-effective cases and disputed equitable-extension settings.\n5. Actual foreign-law, contractual-choice, substantive-repose, and borrowing predicates.\n6. Complete historical application of special rent-judgment amendments and other special judgment statutes.\n7. Complete later court-rule and citator checks beyond the selected official bodies and bounded order review.\n\nNo source gap was filled with a guessed period, invented holding, assumed account document, or fabricated filing date.\n\n## What was not done\n\nNo actual borrower, creditor, provider, property, payment, account, assignment, judgment, court term, docket, or case-status record was searched. Published opinions were accessed as public legal authorities, not as investigations of their parties.\n\nNo filing, service, collection, reporting, payment, account change, contact, private-record request, browser control, local write, publication, or cross-chat action occurred. No hash verification, independent review, whole-state certification, full citator audit, or unseen-source verification is claimed.\n\n**Disposition:** The requested limitation and judgment-duration component has substantive, sourced findings and explicit unresolved boundaries. It does not establish a safe payment date, filing date, valid debt, collectible judgment, provider permission, component acceptance, Iowa acceptance, parent acceptance, A066/A097/A098 acceptance, operational approval, or publication readiness.\n\nEND S_IA PASS-08\n\n","tables":[{"headers":["Obligation or theory","Starting period and trigger","Required classification evidence","What cannot be assumed"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Obligation or theory","Starting period and trigger","Required classification evidence","What cannot be assumed"],["Ordinary unwritten contract","Five years under §614.1(4), measured from legally established accrual.","Actual obligation, performance due, breach, and any controlling conditions.","Every unsigned document is necessarily an unwritten contract; every demand date is accrual. C002."],["Written contract","Ten years under §614.1(5)(a), subject to special statutory categories.","The writings must establish the essential contractual obligation; identification and authentication remain necessary.","A signature anywhere in a file establishes every debt term or a ten-year period. C003–C004."],["Electronic contract","Electronic form does not itself defeat writing/signature status. The underlying contract classification still governs.","Applicable electronic-transaction law, attribution, assent, incorporated terms, and the actual obligation.","A screenshot, typed name, attached generic terms, or database flag automatically proves assent. C005."],["Credit-card account","No uniform five- or ten-year answer was established for every card account.","Actual governing terms, debtor linkage, assent, obligation, claim theory, and accrual facts.","Every card is an open account, or every card agreement is a qualifying written contract. C006."],["Continuous, open, current account","Section 614.5 fixes accrual at the last qualifying item proved at trial; the applicable period still depends on the obligation.","A genuinely continuous account and a legally relevant last item.","A unilateral bookkeeping charge, collection transfer, or later cash transaction necessarily extends the old account. C007."],["Account stated","It is a potentially available claim theory, not an automatic new ten-year clock.","Actual assent to an account balance and the necessary legal predicates; limitations remain separately analyzed.","Silence after any statement creates an enforceable replacement contract or revives an already barred debt. C008."],["Qualifying Article 3 time instrument","Iowa §554.3118(1)(a) places accrual against the maker/acceptor on the day after maturity. The applicable limitations period must be found elsewhere.","Actual Article 3 instrument, maturity, party liable, and any effective acceleration.","Importing the uniform UCC’s commonly cited six-year period into Iowa. C009."],["Qualifying demand instrument","Section 554.3118(1)(b) uses the instrument’s date, or issue date if undated.","Instrument status, date/issue date, and any special instrument exception.","Waiting indefinitely to demand payment postpones accrual. C009."],["Installment obligation","Separately matured installments ordinarily have separate accrual dates; valid acceleration can affect the unmatured balance.","Payment schedule, default, acceleration language, election, notices, waiver, and maturity.","First missed payment automatically accelerates everything. C010–C012."],["Sale-of-goods obligation","Iowa §554.2725 refers to chapter 614 rather than supplying the uniform four-year period. It contains its own accrual and contractual-reduction provisions.","Actual Article 2 transaction and applicable agreement.","Importing another state’s UCC period or savings rule. C044."],["Claim for rent","Five years under §614.1(5)(b), notwithstanding the general written-contract provision.","Actual rent claim rather than another contractual obligation.","Every written consumer obligation has ten years. C003."]]},{"headers":["Event","Conditional legal consequence","Necessary evidence or remaining limitation"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Event","Conditional legal consequence","Necessary evidence or remaining limitation"],["Signed writing clearly identifying an unpaid debt","Can satisfy §614.11 even without using the word “revive.”","Authorship/signature, identity of debt, content, qualifications, and timing."],["Signed new promise","Potential revival; a conditional or future-dated promise requires analysis of its actual terms.","No uniform immediate-accrual assumption for every new promise."],["Bare partial or interest payment","Not sufficient by itself under the Iowa decisions read.","A separate qualifying signed admission or promise may exist, but must be proved."],["Signed tax return or other third-party writing","Can provide evidence of acknowledgment when linked to the particular debt.","It need not have been addressed to the creditor, but ambiguous interest/dividend entries may fail."],["Attorney’s pleading or settlement communication","No automatic imputation of a qualifying personal acknowledgment.","Authority, signature, content, and whether unpaid liability is actually admitted."],["Collector credit, adjustment, or sale-price entry","Not a debtor payment or acknowledgment merely because it appears in the ledger.","Actual source, authorization, purpose, and underlying transaction."],["Co-obligor, family member, trustee, insurer, or representative payment","No universal revival of every obligor’s liability.","Identity of the party charged and legally sufficient authority or personal signed admission."]]},{"headers":["Question","Required determination"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Question","Required determination"],["What forum is hearing the action?","Iowa state-court rules are not automatically federal, tribal, or foreign-court rules."],["Where did the cause arise?","Relevant to §614.7; an online transaction does not supply its own legal location."],["Where did the defendant previously reside?","Must satisfy the actual borrowing provision, not merely creditor headquarters."],["Is the claim fully barred there?","Foreign period, accrual, tolling, revival, and application law must be proved."],["Is foreign law substantive or procedural?","A substantive extinguishment/repose rule can present a different question."],["What does the choice-of-law clause cover?","The actual wording and enforceability matter; Cameron did not decide every consumer choice clause."]]},{"headers":["Doctrine","Verified boundary","What remains fact-dependent"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Doctrine","Verified boundary","What remains fact-dependent"],["Claimant disability/minority, §614.8","Provides specified extensions in favor of protected claimants, generally allowing one year after the disability ends or majority, subject to exceptions.","Qualification, timing, claimant identity, and special statutory exceptions. It is not automatic tolling because the debtor becomes ill. C022."],["Nonresident defendant, §614.6","Text excludes specified nonresident time; Kokenge construed its predecessor in light of continued amenability to Iowa service.","Modern application to the particular debtor and available service; do not mechanically add every absence. C023."],["Unknown defendant","Section 614.6’s unknown-person branch concerns specified personal-injury/death criminal conduct and diligent identification efforts.","It is not a general extension for an unidentified debt purchaser or missing address. C023."],["Fraud/mistake discovery, §614.4","Applies to its specified causes; discovery is an accrual question where applicable.","No universal rule delaying ordinary collection accrual until a creditor discovers default. C024."],["Fraudulent concealment/equitable estoppel","Downing distinguishes estoppel from accrual and clock-running; requires proof of the applicable concealment, ignorance, intent, and detrimental reliance elements.","The case was a medical-repose action; application to ordinary debt and the 2026 amendment remains qualified. C024."],["Injunction/statutory prohibition, §614.13","Excludes the time during which commencement is prohibited, subject to chapter exceptions.","Actual prohibition, covered action, dates, and exception. C025."],["Bankruptcy, §108(c)","Uses the later of the applicable period, including legally applicable suspension, or thirty days after notice of the specified stay termination.","It does not itself justify blindly adding the entire bankruptcy duration. C026."],["SCRA, 50 U.S.C. §3936","Excludes qualifying military-service periods for specified actions by or against protected persons; tax exception applies.","Actual service qualification and dates; state-only National Guard provisions were not completed. C027."]]},{"headers":["Object","Ordinary rule or mechanism","Essential qualification"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Object","Ordinary rule or mechanism","Essential qualification"],["Underlying contract claim","Five or ten years, depending on classification and exceptions.","This is not the post-judgment clock."],["Action on a court-of-record judgment","Twenty years under §614.1(6).","Support and marital-distribution exceptions; special judgment statutes remain separate. C033."],["Judgment of a court not of record","Ten-year category under §614.1(5)(a).","Do not equate every small claim with a non-record judgment. C034."],["Early action on an Iowa court-of-record judgment","Within nine years, §614.3 requires leave for good cause and reasonable notice to an Iowa-resident adverse party.","The restricted period is not excluded from the twenty-year calculation. C035."],["Ordinary statutory real-estate judgment lien","Ten years from the judgment under §624.23(1).","Attachment, property exclusions, and recording conditions remain separate. C036."],["Lien in another Iowa county","Section 624.24 requires filing the specified attested judgment copy there.","Later recording does not establish a new ten-year judgment date. C036."],["Obtaining a new judgment/lien","A separate action on the original judgment, with entitlement and procedural requirements, is the recognized route.","A motion alone cannot extend the original lien. C037."],["Execution","Section 626.2 permits execution before the judgment is barred.","A still-enforceable judgment does not prove available assets or a particular levy right. C038."],["Individual execution return","Section 626.16 requires return on or before the 120th day after issuance.","This is not the judgment’s twenty-year life; §626.27 separately preserves specified garnishment proceedings despite expiration/return. C038."],["Full satisfaction","Section 624.37 requires acknowledgment and filing in each county where the judgment is a lien.","Expiration, satisfaction, release, and actual unpaid balance are different facts. C040."]]},{"headers":["Source ID","Issuer/title and full literal HTTPS URL(s)","Material body read; pinpoint and version","Status/read limits"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Source ID","Issuer/title and full literal HTTPS URL(s)","Material body read; pinpoint and version","Status/read limits"],["S_IA-P8-S001","Iowa Legislature, 2026 Code ch. 614. https://www.legis.iowa.gov/docs/code/2026/614.pdf\nSection copies: https://www.legis.iowa.gov/docs/code/2026/614.1.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/614.5.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/614.6.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/614.7.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/614.8.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/614.10.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/614.11.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/614.13.pdf","§§614.1(4)–(6), .3–.13 and necessary exceptions; chapter printed pp.2, 4–6, PDF indices1,3–5. Relevant chapter/section pages visually inspected. Chapter footer Dec.9,2025; section copies Dec.12,2025.","Compilation supplemented by S002. HTML route failed; §614.3 individual PDF timed out, but its complete body was recovered in chapter PDF. Not all 17 pages analyzed."],["S_IA-P8-S002","Iowa Legislature, 2026 Acts ch.1150 / SF512. https://www.legis.iowa.gov/docs/publications/iactc/91.2/CH1150.pdf\nhttps://www.legis.iowa.gov/docs/publications/LGE/91/attachments/SF512.html\nhttps://www.legis.iowa.gov/legislation/billTracking/billHistory?billName=SF512&ga=91","Complete one-page act/PDF index0, enrolled text, official passage/approval/effective history.","Approved June2; effective July1,2026. Actual act visually inspected. No separate transition clause found in this act; no complete session-law audit."],["S_IA-P8-S003","Iowa Legislature, 2026 Code ch.4. https://www.legis.iowa.gov/docs/code/2026/4.html","§4.1(16), (34), (39), (40); §4.5.","Fresh selected HTML bodies; counting and prospective-operation qualifications only."],["S_IA-P8-S004","Iowa Legislature, Iowa UCC. https://www.legis.iowa.gov/docs/code/2026/554.3118.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/554.2725.pdf","Complete one-page sections, each printed p.1/PDF index0; visual inspection.","Iowa-specific accrual and limitation-reference text. Article3/Article2 transaction qualification and full historical transitions not certified."],["S_IA-P8-S005","Iowa Legislature, Consumer Credit Code enforcement gateway. https://www.legis.iowa.gov/docs/code/2026/537.5102.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.5109.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.5110.pdf","Complete selected sections; §.5110 printed pp.1–2/indices0–1, including exceptions and subsection7; relevant pages visually inspected.","No complete chapter537, charter, transaction-exemption, or §537.5111 notice-form analysis."],["S_IA-P8-S006","Iowa Legislature/Judicial Branch, Civil Procedure Rules. https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/1.pdf\nIndex: https://www.legis.iowa.gov/law/courtRules/courtRulesListings\nOrders: https://www.iowacourts.gov/iowa-courts/supreme-court/orders","Rules1.205,1.301,1.302(5),1.402(5),1.419,1.1801; printed pp.1,16–17,22,25,85/PDF indices10,25–26,31,34,94. Selected pages visually inspected.","Official index labeled2026; retrieved chapter bears July2023 footer. Bounded later-order checks did not establish a change to relied-on clauses; not a complete later-order audit. Alternative /docs/rules/current/court/1.pdf route failed."],["S_IA-P8-S007","Iowa Legislature/Judicial Branch, Appellate Procedure Rules. https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/6.pdf","Rule6.904(2)(a)(2), printed p.26/PDF index29, visually inspected.","December2025 compilation; used only to qualify unpublished-opinion use."],["S_IA-P8-S008","Iowa Legislature, 2026 Code ch.624. https://www.legis.iowa.gov/docs/code/2026/624.html\nhttps://www.legis.iowa.gov/docs/code/2026/624.23.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/624.24.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/624.37.pdf","§§624.20, .23, .24–.26, .37; selected complete bodies. SectionPDFs pp.1–2/indices0–1 where applicable; pertinent pages visually inspected.","Lien duration/recording/satisfaction only. Homestead, priority, recognition, and special-support merits excluded."],["S_IA-P8-S009","Iowa Legislature, 2026 Code ch.626. https://www.legis.iowa.gov/docs/code/2026/626.pdf","§§626.1–.5, .16, .27; printed pp.2,4,6/PDF indices1,3,5, visually inspected.","HTML route failed; PDF recovered text. Not a full execution/garnishment review."],["S_IA-P8-S010","Iowa Legislature, 2026 Code ch.615. https://www.legis.iowa.gov/docs/code/2026/615.html","§§615.1–.4, particularly complete §615.1A.","Special-category boundaries; underlying2013/2018 application history not fully read."],["S_IA-P8-S011","eCFR, 12 CFR1006.26. https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26","Complete subsections(a)–(c).","Display current through Oct.23,2026. Actor/debt coverage and other FDCPA provisions remain conditional; no guidance relied upon."],["S_IA-P8-S012","U.S. House OLRC, 15 USC1681c. https://uscode.house.gov/us/usc/119-118/t15/s1681c/","(a)(2),(4), (b), (c), including effective/application language.","Display through Pub.L.119-120, Oct.7,2026. Statutory obsolescence only; bureau policies and complete FCRA not reviewed."],["S_IA-P8-S013","U.S. House OLRC, 11 USC108 and524. https://uscode.house.gov/us/usc/119-118/t11/s108/\nhttps://uscode.house.gov/us/usc/119-118/t11/s524/","§108(a)–(c); §524(a), complete(c), pertinent(d)–(f).","Display through Oct.7,2026. Reaffirmation/discharge/stay gateway only; no bankruptcy case or order supplied."],["S_IA-P8-S014","U.S. House OLRC, 50 USC3936. https://uscode.house.gov/us/usc/119-118/t50/s3936/","Complete section, tax exception and application note.","Military-period boundary only; actual service eligibility and Iowa National Guard statute unverified."],["S_IA-P8-S031","Iowa Legislature, Small Claims. https://www.legis.iowa.gov/docs/code/2026/631.3.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/631.12.pdf","Complete one-page sections/PDF index0 each; visually inspected.","Original-notice commencement and installment-judgment enforcement boundary; no full small-claims service/default review."],["S_IA-P8-S032","Iowa Legislature, 2026 Code ch.554D. https://www.legis.iowa.gov/docs/code/2026/554D.pdf","§§554D.103(7)–(8), .104, .106, .108, .111; printed pp.2–4/PDF indices1–3 visually inspected.","Fresh narrow classification/attribution read, not reuse of unreviewed P06. UCC scope exclusion preserved; no disclosure rerun."]]},{"headers":["Source ID / opinion and full URL","Court, date, publication/citation","Actual body read and narrow holding","Disposition and limits"],"index":6,"links":[{"href":"https://law.justia.com/cases/iowa/supreme-court/1984/83-1562-0.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/iowa/court-of-appeals/2011/1-521.html","text":"Justia Law"},{"href":"https://www.iowacourts.gov/moduledocuments/embed/18628/91046_A30BA3500EA35.pdf","text":"Iowa Judicial Branch"},{"href":"https://law.justia.com/cases/iowa/supreme-court/1950/47706-0.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/iowa/supreme-court/1959/49670-0.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/iowa/supreme-court/1964/51223-0.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/iowa/supreme-court/1969/53281-0.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/iowa/supreme-court/1967/52293-0.html","text":"Justia Law\n+1"},{"href":"https://law.justia.com/cases/iowa/supreme-court/1982/66050-0.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/iowa/supreme-court/1987/86-1307-0.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/iowa/supreme-court/1952/47954-0.html","text":"Justia Law"},{"href":"https://caselaw.findlaw.com/court/ia-supreme-court/2170410.html","text":"FindLaw Caselaw\n+1"},{"href":"https://law.justia.com/cases/iowa/supreme-court/2011/10-0180.html","text":"Justia Law"},{"href":"https://cases.justia.com/iowa/supreme-court/2026-25-0671.pdf?ts=1780063498","text":"Justia Law"},{"href":"https://cases.justia.com/iowa/supreme-court/111394.pdf?ts=1396154078","text":"Justia Law"},{"href":"https://caselaw.findlaw.com/court/ia-supreme-court/1231914.html","text":"FindLaw Caselaw\n+1"}],"row_links":[[],[{"href":"https://law.justia.com/cases/iowa/supreme-court/1984/83-1562-0.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/iowa/court-of-appeals/2011/1-521.html","text":"Justia Law"}],[{"href":"https://www.iowacourts.gov/moduledocuments/embed/18628/91046_A30BA3500EA35.pdf","text":"Iowa Judicial Branch"}],[{"href":"https://law.justia.com/cases/iowa/supreme-court/1950/47706-0.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/iowa/supreme-court/1959/49670-0.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/iowa/supreme-court/1964/51223-0.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/iowa/supreme-court/1969/53281-0.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/iowa/supreme-court/1967/52293-0.html","text":"Justia Law\n+1"}],[{"href":"https://law.justia.com/cases/iowa/supreme-court/1982/66050-0.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/iowa/supreme-court/1987/86-1307-0.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/iowa/supreme-court/1952/47954-0.html","text":"Justia Law"}],[{"href":"https://caselaw.findlaw.com/court/ia-supreme-court/2170410.html","text":"FindLaw Caselaw\n+1"}],[{"href":"https://law.justia.com/cases/iowa/supreme-court/2011/10-0180.html","text":"Justia Law"}],[{"href":"https://cases.justia.com/iowa/supreme-court/2026-25-0671.pdf?ts=1780063498","text":"Justia Law"}],[{"href":"https://cases.justia.com/iowa/supreme-court/111394.pdf?ts=1396154078","text":"Justia Law"}],[{"href":"https://caselaw.findlaw.com/court/ia-supreme-court/1231914.html","text":"FindLaw Caselaw\n+1"}]],"rows":[["Source ID / opinion and full URL","Court, date, publication/citation","Actual body read and narrow holding","Disposition and limits"],["S_IA-P8-S015 — Matherly v. Hanson\nhttps://law.justia.com/cases/iowa/supreme-court/1984/83-1562-0.html","Iowa Supreme Court, Dec.19,1984; 359 N.W.2d450.","Majority’s written-contract and estoppel analysis, pp.454–458. Papers did not establish the essential written obligation needed for the longer period.","Summary judgment affirmed. Dissent not adopted; no blanket unsigned-contract rule. \nJustia Law"],["S_IA-P8-S016 — Gemini Capital Group, LLC v. New\nhttps://law.justia.com/cases/iowa/court-of-appeals/2011/1-521.html","Iowa Court of Appeals, Sept.8,2011; No.10-1096, unpublished; Doyle majority, separate concurrence/dissent.","Majority slip pp.2–7. Generic agreement and the presented account evidence did not establish the written-contract category.","Reversed/remanded. Reasoning only under Rule6.904; not controlling and not counted among the15 published opinions. \nJustia Law"],["S_IA-P8-S017 — Capital One Bank (USA), N.A. v. Denboer\nhttps://www.iowacourts.gov/moduledocuments/embed/18628/91046_A30BA3500EA35.pdf","Iowa Court of Appeals, Aug.25,2010; 791 N.W.2d264, No.09-0354.","Official majority PDF; account-stated analysis, printed pp.11–18/indices10–17, and disposition. Account stated may be available subject to statutory proof requirements.","Reversed/remanded dismissals. Not a limitations holding and not proof every statement creates a new contract. \nIowa Judicial Branch"],["S_IA-P8-S018 — Buttolph v. Geeseka\nhttps://law.justia.com/cases/iowa/supreme-court/1950/47706-0.html","Iowa Supreme Court, Oct.17,1950; 44 N.W.2d434.","Majority pp.435–436. Later cash dealings/unilateral entries did not extend the earlier account; the particular attorney pleading did not establish revival.","Affirmed. Historical subsection numbering; no universal ruling on all authorized representative signatures. \nJustia Law"],["S_IA-P8-S019 — In re Estate of Brooks\nhttps://law.justia.com/cases/iowa/supreme-court/1959/49670-0.html","Iowa Supreme Court, Mar.10,1959; 95 N.W.2d287.","Majority §IV, pp.290–291. Partial payment/oral promise did not replace required signed written acknowledgment.","Affirmed. Probate facts; no general estate-claim deadline imported. \nJustia Law"],["S_IA-P8-S020 — Schroedl v. McTague (1964)\nhttps://law.justia.com/cases/iowa/supreme-court/1964/51223-0.html","Iowa Supreme Court, June9,1964; 129 N.W.2d19.","Majority pp.21–23. Tax-return evidence could support acknowledgment when sufficiently tied to the note; originals’ signatures were established and copy objections were not raised.","Directed verdict reversed; remanded for factfinding, not automatic revival judgment. \nJustia Law"],["S_IA-P8-S021 — Schroedl v. McTague (1969)\nhttps://law.justia.com/cases/iowa/supreme-court/1969/53281-0.html","Iowa Supreme Court, July24,1969; 169 N.W.2d860.","Majority §IX, pp.866–867. Claimant had to connect the signed entries to interest on the particular note and prove revival; payment alone was insufficient.","Defense verdict affirmed. The intervening1966 opinion was not independently read. \nJustia Law"],["S_IA-P8-S022 — Frenzel v. Frenzel\nhttps://law.justia.com/cases/iowa/supreme-court/1967/52293-0.html","Iowa Supreme Court, July11,1967; 152 N.W.2d157.","Majority installment/acceleration discussion, pp.158–160, §§II–VI. Instruments read together; acceleration was not self-executing.","Affirmed. Secured-note facts used only for accrual doctrine; historical foreclosure rules not imported. \nJustia Law\n+1"],["S_IA-P8-S023 — Dunn v. General Equities of Iowa, Ltd.\nhttps://law.justia.com/cases/iowa/supreme-court/1982/66050-0.html","Iowa Supreme Court, May19,1982; 319 N.W.2d515.","Majority §§I–II, pp.516–518. Prior acceptance of late payments supported waiver of acceleration on the record.","Affirmed. Not a universal consumer notice rule or an independent limitations-period decision. \nJustia Law"],["S_IA-P8-S024 — Cameron v. Hardisty\nhttps://law.justia.com/cases/iowa/supreme-court/1987/86-1307-0.html","Iowa Supreme Court, June17,1987; 407 N.W.2d595.","Majority pp.596–598. Applied Iowa forum limitation to certified multistate accident facts.","Certified question answered. Does not decide every contractual choice clause or foreign substantive extinguishment. \nJustia Law"],["S_IA-P8-S025 — Kokenge v. Holthaus\nhttps://law.justia.com/cases/iowa/supreme-court/1952/47954-0.html","Iowa Supreme Court, Apr.1,1952; 52 N.W.2d711.","Majority pp.711–713. Continued amenability to Iowa motorist service defeated the claimed nonresidence extension.","Bar applied. Historical motorist/predecessor-statute context; modern ordinary-debt application remains fact-dependent. \nJustia Law"],["S_IA-P8-S026 — Downing v. Grossmann\nhttps://caselaw.findlaw.com/court/ia-supreme-court/2170410.html","Iowa Supreme Court, Apr.22,2022; No.20-1124, published opinion.","Majority §III, displayed HTML lines95–132. Distinguished repose, accrual, and estoppel; required subsequent independent concealment under the applicable doctrine.","Court of Appeals vacated; district judgment affirmed. Reporter pagination not verified; medical period not imported into debt law. \nFindLaw Caselaw\n+1"],["S_IA-P8-S027 — Furnald v. Hughes\nhttps://law.justia.com/cases/iowa/supreme-court/2011/10-0180.html","Iowa Supreme Court, Sept.30,2011; 804 N.W.2d273.","Majority savings analysis, pp.276–282. Strategic voluntary dismissal under the particular circumstances did not satisfy §614.10.","Affirmed. Read with Trask; not all voluntary dismissals are categorically excluded under §614.10. \nJustia Law"],["S_IA-P8-S028 — Trask v. Ahmed\nhttps://law.justia.com/cases/iowa/supreme-court/2026/25-0671.html\nhttps://cases.justia.com/iowa/supreme-court/2026-25-0671.pdf?ts=1780063498","Iowa Supreme Court, May29,2026; No.25-0671, published unanimous opinion.","Majority printed pp.4–14/PDF indices3–13. Legal futility following intervening certificate-law development supported savings without negligent prosecution.","Reversed/remanded. Medical certificate requirements are not generalized to debt suits; reporter citation not verified. \nJustia Law"],["S_IA-P8-S029 — Rucker v. Taylor\nhttps://law.justia.com/cases/iowa/supreme-court/2013/111394.html\nhttps://cases.justia.com/iowa/supreme-court/111394.pdf?ts=1396154078","Iowa Supreme Court, Mar.22,2013; 828 N.W.2d595.","Majority printed pp.2–15/indices1–14. Particular communications and conduct established good cause for late service.","Denial of dismissal affirmed; remanded. Dissent begins printed p.16 and is not relied upon. \nJustia Law"],["S_IA-P8-S030 — Whitters v. Neal\nhttps://caselaw.findlaw.com/court/ia-supreme-court/1231914.html","Iowa Supreme Court, Dec.22,1999; No.98-2181, published opinion.","Complete short majority, especially §II, displayed HTML lines71–103. Motion alone could not extend the original lien; separate action identified.","Reversed/remanded to deny motion. Reporter pagination not verified; no automatic new-judgment entitlement. \nFindLaw Caselaw\n+1"]]},{"headers":["ID / stage","Stipulated posture and rule/source","Conditional consequence","Exact missing fact or gap"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["ID / stage","Stipulated posture and rule/source","Conditional consequence","Exact missing fact or gap"],["P01 — Classification","Signed page, missing incorporated repayment terms. C004; S015.","Signature alone does not establish the written obligation.","Authentic complete writings and incorporation."],["P02 — Classification","Oral loan, alleged due date disputed. C002.","Five-year category may apply, but no endpoint follows yet.","Enforceable obligation and actual accrual date."],["P03 — Card claim","Generic card terms attached to complaint. C006; S016.","No automatic ten-year classification.","Debtor linkage, governing version, assent; unpublished-case limit."],["P04 — Open account","Creditor adds an old tax/collection charge years later. C007; S018.","Unilateral entry need not be a new qualifying last item.","Continuous account and legally relevant transaction."],["P05 — Account stated","Consumer receives a statement and does not respond. C008; S017.","Does not automatically establish a replacement contract or new limitation.","Actual assent and limitations treatment."],["P06 — Installments","First installment missed, final maturity years later. C010.","Separate installments can have separate clocks.","Schedule and effective acceleration."],["P07 — Acceleration","Contract permits election, but no election or required cure shown. C011–C012.","Whole-balance acceleration date remains unproved.","Authentic term, notice, cure, waiver, positive election."],["P08 — Post-expiry payment","Consumer pays a small amount without signed admission. C015.","Bare payment does not establish revival.","Any qualifying associated writing."],["P09 — Representative payment","Family member or co-obligor pays. C017.","No automatic revival against another person.","Authority and party-to-be-charged acknowledgment."],["P10 — Negotiation","Lawyer writes “client disputes liability but offers compromise.” C014, C017.","No automatic unpaid-debt admission or estoppel.","Full language, authority, signatures, reliance."],["P11 — Sale","Portfolio buyer pays pennies on balance. C019.","Purchase price is not debtor payment.","Actual transferred rights and applicable UCC exception."],["P12 — Foreign law","Choice clause names another state. C020–C021.","No automatic shortest or longest period.","Clause scope, cause location, residency, foreign law."],["P13 — Disability","Debtor becomes mentally ill after default. C022.","Claimant-protection statute is not automatically creditor tolling.","Protected claimant and statutory qualification."],["P14 — Concealment","Party alleges original fraud but no later concealment. C024; S026.","Estoppel cannot be assumed from the original wrong alone.","Required concealment, knowledge, intent, reliance; later-law application."],["P15 — Dismissed action","Timely suit voluntarily dismissed. C030; S027–S028.","Savings depends on why it failed, not the label alone.","Negligence, necessity/futility, failure date."],["P16 — Late service","Petition timely; ninety days pass. C029; S029.","Dismissal/extension depends on rule and facts.","Good cause, court direction, service record."],["P17 — Wrong defendant","Claimant substitutes another party after expiry. C031.","Relation back is not automatic.","Timely notice, mistake knowledge, prejudice."],["P18 — Old judgment","Original lien anniversary passed; judgment under twenty years. C033–C038.","Lien lapse does not necessarily equal judgment bar.","Actual dates, special category, execution conditions."],["P19 — Reporting","Collector buys an account and changes its internal date. C042.","Internal sale date does not replace FCRA’s statutory delinquency trigger.","Actual preceding delinquency, cure history, reporting exception."],["P20 — Military","Alleged active service overlaps limitation. C027.","Qualifying service can exclude time.","Statutory service status and exact dates; state Guard law separate."],["P21 — Bankruptcy","Voluntary payment after discharge. C026.","Payment is not automatically enforceable reaffirmation.","Discharge scope and §524 compliance."],["P22 — Special forum/sector","Tribal, foreign-country, federal-tax, or special secured judgment. C034, C039, C047.","Ordinary Iowa model cannot be transplanted.","Governing forum, recognition law, special statute and transition."]]},{"headers":["Claim ID","Precise proposition","Source/pinpoint","Predicates, consequence, confidence, exact gap"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise proposition","Source/pinpoint","Predicates, consequence, confidence, exact gap"],["S_IA-P8-C001","Chapter1150 amended §614.1’s introduction effective July1,2026 without replacing the examined numerical periods.","S002 §1; official history.","High; pending-case/equitable construction not fully resolved."],["S_IA-P8-C002","Ordinary unwritten-contract actions fall within five years under §614.1(4).","S001 §614.1(4).","High; accrual and statutory exceptions required."],["S_IA-P8-C003","Written-contract category is ten years; rent claims have a five-year exception.","S001 §614.1(5)(a)–(b).","High; actual category unproved."],["S_IA-P8-C004","A writing must establish the essential obligation; signatures or miscellaneous papers alone are insufficient.","S015 pp.454–457.","High narrow holding; actual writings absent."],["S_IA-P8-C005","Qualifying electronic records/signatures may count, but attribution, scope, and substantive contract law remain necessary.","S032 §§.103,.104,.106,.108,.111.","High; UCC exclusions and actual assent held."],["S_IA-P8-C006","Card limitation cannot be assigned solely from the product label or generic agreement.","S015; S016 majority pp.5–7.","Conditional; Gemini unpublished."],["S_IA-P8-C007","A continuous open current account accrues at its last qualifying item proved at trial.","S001 §614.5; S018 pp.435–436.","High; unilateral entry may not qualify."],["S_IA-P8-C008","Account stated is a possible theory, not proof of a new limitations period.","S017 printed pp.11–18.","Holding concerns proof; barred-debt replacement question unresolved."],["S_IA-P8-C009","Iowa Article3 time/demand instrument accrual follows §554.3118, not an imported uniform six-year provision.","S004 §554.3118(1).","High; instrument/party qualification required."],["S_IA-P8-C010","Installments can accrue separately absent effective acceleration.","S022 pp.158–160.","High doctrine; actual schedule absent."],["S_IA-P8-C011","Optional acceleration requires operative exercise and may be waived by conduct.","S022 §VI; S023 §§I–II.","Conditional; automatic-clause construction not universal."],["S_IA-P8-C012","Covered consumer-credit enforcement must satisfy applicable default/cure conditions before acceleration or action.","S005 §§537.5102,.5109,.5110.","High text; transaction coverage and valid notice unproved."],["S_IA-P8-C013","Charge-off, demand, collection placement, or sale is not a universal accrual trigger.","S001 §§614.1,.5; S004; S022.","Inference from specified triggers; actual contract needed."],["S_IA-P8-C014","Section614.11 requires a signed written unpaid-debt admission or like new promise.","S001 §614.11.","High; content, party, signature, and debt identity required."],["S_IA-P8-C015","Bare partial payment or oral promise does not itself establish statutory revival.","S019 §IV; S021 §IX.","High; accompanying qualifying writing may change result."],["S_IA-P8-C016","Claimant must prove the written acknowledgment relates to the debt; ambiguous entries can fail.","S020 pp.21–23; S021 pp.866–867.","High; preponderance in Schroedl, actual evidence absent."],["S_IA-P8-C017","Representative/co-obligor conduct is not automatically the acknowledgment of every party charged.","S001 §614.11; S018.","Conditional; agency/authorization law not exhaustively researched."],["S_IA-P8-C018","Revival can concern an otherwise barred contract; resulting trigger depends on the qualifying acknowledgment/promise and claim.","S001 §614.11; S020–S021.","High gateway; conditional/new-promise and oral-debt period questions held."],["S_IA-P8-C019","Outside the UCC, assignment preserves the defenses specified in Rule1.205; acquisition price is not debtor payment.","S006 Rule1.205; S001 §614.11.","High text/inference; ownership and UCC status unproved."],["S_IA-P8-C020","Iowa forum limitation and §614.7 borrowing require distinct analysis.","S024 pp.596–598; S001 §614.7.","High; foreign complete bar/residency/non-Iowa origin unproved."],["S_IA-P8-C021","A choice clause or foreign period alone does not settle procedural/substantive classification.","S024; S001 §614.7.","Conditional; actual clause and foreign law missing."],["S_IA-P8-C022","Section614.8 protects specified claimants through its disability/minority extension.","S001 §614.8(1)–(2).","High; not automatic tolling from debtor illness."],["S_IA-P8-C023","Nonresidence and unknown-person provisions are conditional; service amenability matters under Kokenge.","S001 §614.6; S025 pp.711–713.","High text/historical holding; modern application unresolved."],["S_IA-P8-C024","Discovery/accrual, statutory tolling, and concealment estoppel are distinct doctrines.","S001 §614.4; S026 §III.","High distinction; ordinary-debt and2026-act application qualified."],["S_IA-P8-C025","A qualifying prohibition on commencement excludes its duration under §614.13, subject to chapter exceptions.","S001 §614.13.","High; order/statute and dates missing."],["S_IA-P8-C026","Bankruptcy extension, discharge, reaffirmation, and voluntary repayment must be separately tested.","S013 §§108(c),524(a),(c),(e)–(f).","High gateway; no actual bankruptcy facts."],["S_IA-P8-C027","SCRA §3936 excludes qualifying military-service time, with stated exceptions.","S014 §3936(a)–(c).","High; status/dates and state-only service held."],["S_IA-P8-C028","Regular action commencement uses petition filing; small claims uses original-notice filing.","S006 Rule1.301; S031 §631.3.","High; forum and later service requirements separate."],["S_IA-P8-C029","Ninety-day service rule includes dismissal/alternative-direction and good-cause branches.","S006 Rule1.302(5); S029 pp.5–15.","High; not a guaranteed extension."],["S_IA-P8-C030","Section614.10 supplies six-month continuation only after qualifying nonnegligent failure.","S001 §614.10; S027–S028.","High; reason/date of failure indispensable."],["S_IA-P8-C031","Relation back has occurrence and additional changed-party conditions.","S006 Rule1.402(5).","High; no automatic correction of wrong defendant."],["S_IA-P8-C032","Calendar and terminal-day rules must be applied to the particular period.","S003 §4.1(16),(34),(40); S006 Rule1.1801.","High; actual closure/holiday and fixed-lien duration issues separate."],["S_IA-P8-C033","Ordinary court-of-record judgment actions have a twenty-year statutory category.","S001 §614.1(6).","High; express support/marital and special-statute exceptions."],["S_IA-P8-C034","Non-record judgments have a different ten-year category.","S001 §614.1(5)(a).","High; actual court classification required."],["S_IA-P8-C035","Early action on an Iowa record judgment within nine years requires statutory leave/notice; those years are not excluded.","S001 §614.3.","High; historical justice-of-peace clause not generalized."],["S_IA-P8-C036","Ordinary judgment lien duration and county attachment are governed separately by §§624.23–.24.","S008 §§624.23(1),624.24.","High; no property/priority conclusion."],["S_IA-P8-C037","A motion alone does not extend the original lien; separate judgment action is the recognized route.","S030 §II.","High narrow holding; entitlement to new judgment unproved."],["S_IA-P8-C038","Judgment enforcement, individual execution return, and continuing garnishment are different timing questions.","S009 §§626.2,.16,.27.","High text; 120-day return is not judgment duration."],["S_IA-P8-C039","Assigned-for-value rent judgments can trigger §615.1A’s special two-year rule.","S010 §615.1A.","High current compilation; actual actor/stays and historical application held."],["S_IA-P8-C040","Full satisfaction requires the statutory acknowledgment/filing process; it is not mere lapse of time.","S008 §624.37.","High; balance, recipient, filings, and remedy facts absent."],["S_IA-P8-C041","Covered debt collectors may not bring/threaten time-barred legal action, subject to the bankruptcy-proof exception.","S011 §1006.26.","High; actual actor/debt coverage unproved."],["S_IA-P8-C042","FCRA reporting clocks differ from state claim/judgment clocks and have statutory exceptions.","S012 §1681c(a),(b),(c).","High; actual reporting practices and delinquency facts absent."],["S_IA-P8-C043","Limitations proof does not establish underlying debt validity; defensive avoidance and revival have separate pleading/proof burdens.","S006 Rule1.419; S015; S021; S013 §524.","High distinction; no actual obligation adjudicated."],["S_IA-P8-C044","Iowa goods limitations refer to chapter614 and contain separate reduction/accrual/savings conditions.","S004 §554.2725(1)–(4).","High; no imported four-year period."],["S_IA-P8-C045","Installment small-claims judgments have compliance/default-affidavit enforcement conditions.","S031 §631.12(1).","High; does not create a fresh judgment period."],["S_IA-P8-C046","Gemini is unpublished and usable only within the applicable noncontrolling-reasoning citation rule.","S007 Rule6.904(2)(a)(2); S016.","High for retrieved rule; no filing prepared."],["S_IA-P8-C047","This pass verifies selected current texts and one2026 amendment, not every later law, transition, or negative-treatment event.","Source-version/read records.","Confirmed research limitation."],["S_IA-P8-C048","Section614.12 permits only its conditional defensive use of an otherwise barred counterclaim, not ordinary affirmative recovery.","S001 §614.12.","High; ownership/timing predicates and actual pleading absent."]]},{"headers":["Coverage ID / requested issue","Status","Claims","Exact missing evidence or next investigation"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage ID / requested issue","Status","Claims","Exact missing evidence or next investigation"],["CV01 — Current periods and2026 amendment","Answered with currentness limit","C001–C003,C047","Complete other-enactment audit and post-amendment construction."],["CV02 — Written-contract category","Partial","C003–C004","Authentic obligation, complete terms, applicable published-case comparison."],["CV03 — Unsigned/electronic classification","Partial","C005–C006","Assent, attribution, incorporation, UCC scope and actual record."],["CV04 — Card/open-account distinction","Partial","C006–C007","Actual claim theory and transaction history; modern controlling card-SOL opinion not located."],["CV05 — Account stated","Partial","C008","Actual assent and a responsive holding on limitation/revival of an already barred account."],["CV06 — Notes/demand/time instruments","Answered conditionally","C009","Instrument status, maturity and special instrument provisions."],["CV07 — Separate installments","Answered conditionally","C010","Actual schedule and maturity events."],["CV08 — Optional/automatic acceleration and cure","Partial","C011–C012","Authentic clause, election, waiver, valid notice, coverage; no universal automatic-clause rule."],["CV09 — Charge-off/first-miss/sale accrual","Answered as nonautomatic","C013","Actual legally operative trigger."],["CV10 — Validity and burdens","Partial","C016,C043","Actual debt, identity, defenses, summary-judgment record; full merits excluded."],["CV11 — Written acknowledgment/new promise","Answered at gateway","C014,C016","Actual signed content and identified debt."],["CV12 — Before/after expiry and resulting duration","Partial","C018","Conditional promises, novations, oral-debt conversion, exact revival date."],["CV13 — Partial/interest/token payment","Answered as insufficient alone","C015","Associated signed admission/promise, if any."],["CV14 — Attorney/agent/co-obligor/representative acts","Partial","C017,C026","Authority, each party charged, insolvency/estate law where relevant."],["CV15 — Sale and assignee rights","Partial","C019,C039","Chain of title, UCC status, rent-judgment exception, actual transfer terms."],["CV16 — Forum law/borrowing","Partial","C020","Cause location, prior residence, complete foreign bar."],["CV17 — Choice clauses/foreign substantive law","Unresolved for actual transaction","C021","Clause and foreign statute/cases; no shortest/longest shortcut."],["CV18 — Disability/minority","Answered conditionally","C022","Protected claimant, disability and termination dates, exceptions."],["CV19 — Absence/nonresidence/unknown identity","Partial","C023","Modern service amenability and actual statutory eligibility."],["CV20 — Discovery/concealment/estoppel","Partial","C024,C001","Ordinary-debt facts, proof elements, post2026 construction."],["CV21 — Statutory/injunction tolling","Answered conditionally","C025","Actual prohibition and dates; chapter exceptions."],["CV22 — Bankruptcy boundary","Partial","C026","Stay/discharge/reaffirmation orders and governing suspension law."],["CV23 — Military boundary","Partial","C027","Service status/dates; Iowa §29A.98 and state-only service remain open."],["CV24 — Savings/dismissal/recommencement","Answered conditionally","C030,C044","Reason/date of failure; distinguish goods savings provision."],["CV25 — Commencement to stop clock","Answered by forum category","C028","Actual filing; federal/other-forum commencement excluded."],["CV26 — Service preservation","Partial","C029","Actual service, good cause, extension, court direction; no answer/default analysis."],["CV27 — Relation back","Answered conditionally","C031","Same occurrence, notice, prejudice, identity mistake."],["CV28 — Counting/weekends/holidays","Answered for stipulated models","C032","Actual clerk closure and future-law verification; fixed-lien issue qualified."],["CV29 — Court-of-record judgment duration","Answered conditionally","C033","Actual court/category/date, stays, satisfaction, special statutes."],["CV30 — Non-record/small-claims distinction","Partial","C034,C045","Actual tribunal status and installment order; not all small claims deemed non-record."],["CV31 — Action on judgment/early leave","Answered","C035","Actual creditor entitlement, petition, notice and order."],["CV32 — Lien duration/recording","Answered at gateway","C036","Property, county filings, exemptions and priority excluded."],["CV33 — New judgment versus motion renewal","Answered at mechanism level","C037","Actual new action/judgment; no automatic entitlement."],["CV34 — Dormancy/individual writ/continuing process","Partial","C038","No extra universal dormancy period established; special process facts and exceptions remain."],["CV35 — Changed judgment ownership/special rent","Partial","C019,C039","Transfer facts and2013/2018 application history."],["CV36 — Satisfaction/release","Answered at gateway","C040","Actual payoff, instrument, county entries; full remedies/interest model excluded."],["CV37 — Federal time-barred-suit overlay","Answered conditionally","C041","Actual FDCPA/RegulationF actor and debt coverage."],["CV38 — Reporting clock separation","Answered conditionally","C042","Delinquency/cure history, statutory exceptions; complete FCRA excluded."],["CV39 — Defensive counterclaim","Answered conditionally","C048","Statutory ownership and timing; no affirmative recovery inferred."],["CV40 — Published cases and unpublished status","Answered with citator limit","C046–C047","Complete later-treatment review, reporter citations not verified for specified rows."],["CV41 — Four models and22 smaller postures","Completed as fictional analysis","Relevant claims above","No actual client facts; conditional results cannot be operationalized."],["CV42 — Federal court/local/tribal/international","Excluded except boundaries","C020,C027,C036,C047","Forum-specific commencement, recognition, jurisdiction and tribal law."],["CV43 — Special sectors and broader merits","Excluded except necessary distinctions","C003,C012,C026,C039,C044","Secured debt, tax, support, education, estates, garnishment, exemptions and full litigation."],["CV44 — Actual-account/currentness/acceptance limits","Unresolved","C043,C047","No actual obligation, payment, assignment, judgment, service or account; no complete later-law/citator certificate."]]},{"headers":["Authorized remainder","PASS-08 contribution","What remains open"],"index":10,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Authorized remainder","PASS-08 contribution","What remains open"],["Ordinary limitation, accrual, acknowledgment, payment, sale","Classification framework, current statutory periods, revival distinctions, responsive cases, conditional models.","Actual agreement classification, foreign law, agency attribution, conditional promises and unresolved modern interpretations."],["Judgment duration/renewal distinction","Twenty-year action framework, nine-year early-action restriction, ten-year lien, separate-action mechanism, execution-return distinction, rent-assignment exception.","Actual judgment, ownership, remaining balance, lien priority, foreign recognition, full enforcement, satisfaction remedies and interest."],["Collection/court/limitations parent","Only commencement/service preservation, savings, relation back, and narrow federal boundaries necessary to this component.","General service, answer/default/vacatur, evidentiary merits, standing proof, litigation procedures, garnishment and exemptions."],["Prior provider/funds/bond/agreement work","Preserved at its original reviewed or unreviewed status. No P04/P06 premise imported; no P07 surety-service deadline generalized.","All prior currentness, ARC0368D, records, provider, contract, funds, bond, local/tribal/sector and seven-parent-dimension holds."]]}],"claims":[{"claim_id":"S_IA-P8-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C001","Precise proposition":"Chapter1150 amended §614.1’s introduction effective July1,2026 without replacing the examined numerical periods.","Source/pinpoint":"S002 §1; official history.","Predicates, consequence, confidence, exact gap":"High; pending-case/equitable construction not fully resolved."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S002"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C002","Precise proposition":"Ordinary unwritten-contract actions fall within five years under §614.1(4).","Source/pinpoint":"S001 §614.1(4).","Predicates, consequence, confidence, exact gap":"High; accrual and statutory exceptions required."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C003","Precise proposition":"Written-contract category is ten years; rent claims have a five-year exception.","Source/pinpoint":"S001 §614.1(5)(a)–(b).","Predicates, consequence, confidence, exact gap":"High; actual category unproved."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C004","Precise proposition":"A writing must establish the essential obligation; signatures or miscellaneous papers alone are insufficient.","Source/pinpoint":"S015 pp.454–457.","Predicates, consequence, confidence, exact gap":"High narrow holding; actual writings absent."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S015"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C005","Precise proposition":"Qualifying electronic records/signatures may count, but attribution, scope, and substantive contract law remain necessary.","Source/pinpoint":"S032 §§.103,.104,.106,.108,.111.","Predicates, consequence, confidence, exact gap":"High; UCC exclusions and actual assent held."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S032"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C006","Precise proposition":"Card limitation cannot be assigned solely from the product label or generic agreement.","Source/pinpoint":"S015; S016 majority pp.5–7.","Predicates, consequence, confidence, exact gap":"Conditional; Gemini unpublished."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S015","S_IA-P8-S016"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C007","Precise proposition":"A continuous open current account accrues at its last qualifying item proved at trial.","Source/pinpoint":"S001 §614.5; S018 pp.435–436.","Predicates, consequence, confidence, exact gap":"High; unilateral entry may not qualify."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001","S_IA-P8-S018"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C008","Precise proposition":"Account stated is a possible theory, not proof of a new limitations period.","Source/pinpoint":"S017 printed pp.11–18.","Predicates, consequence, confidence, exact gap":"Holding concerns proof; barred-debt replacement question unresolved."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":[],"unreopened_or_failed_source_groups":["S_IA-P8-S017"],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C009","Precise proposition":"Iowa Article3 time/demand instrument accrual follows §554.3118, not an imported uniform six-year provision.","Source/pinpoint":"S004 §554.3118(1).","Predicates, consequence, confidence, exact gap":"High; instrument/party qualification required."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S004"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C010","Precise proposition":"Installments can accrue separately absent effective acceleration.","Source/pinpoint":"S022 pp.158–160.","Predicates, consequence, confidence, exact gap":"High doctrine; actual schedule absent."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S022"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C011","Precise proposition":"Optional acceleration requires operative exercise and may be waived by conduct.","Source/pinpoint":"S022 §VI; S023 §§I–II.","Predicates, consequence, confidence, exact gap":"Conditional; automatic-clause construction not universal."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S022","S_IA-P8-S023"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C012","Precise proposition":"Covered consumer-credit enforcement must satisfy applicable default/cure conditions before acceleration or action.","Source/pinpoint":"S005 §§537.5102,.5109,.5110.","Predicates, consequence, confidence, exact gap":"High text; transaction coverage and valid notice unproved."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S005"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C013","Precise proposition":"Charge-off, demand, collection placement, or sale is not a universal accrual trigger.","Source/pinpoint":"S001 §§614.1,.5; S004; S022.","Predicates, consequence, confidence, exact gap":"Inference from specified triggers; actual contract needed."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001","S_IA-P8-S004","S_IA-P8-S022"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C014","Precise proposition":"Section614.11 requires a signed written unpaid-debt admission or like new promise.","Source/pinpoint":"S001 §614.11.","Predicates, consequence, confidence, exact gap":"High; content, party, signature, and debt identity required."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C015","Precise proposition":"Bare partial payment or oral promise does not itself establish statutory revival.","Source/pinpoint":"S019 §IV; S021 §IX.","Predicates, consequence, confidence, exact gap":"High; accompanying qualifying writing may change result."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S019","S_IA-P8-S021"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C016","Precise proposition":"Claimant must prove the written acknowledgment relates to the debt; ambiguous entries can fail.","Source/pinpoint":"S020 pp.21–23; S021 pp.866–867.","Predicates, consequence, confidence, exact gap":"High; preponderance in Schroedl, actual evidence absent."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S021"],"unreopened_or_failed_source_groups":["S_IA-P8-S020"],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C017","Precise proposition":"Representative/co-obligor conduct is not automatically the acknowledgment of every party charged.","Source/pinpoint":"S001 §614.11; S018.","Predicates, consequence, confidence, exact gap":"Conditional; agency/authorization law not exhaustively researched."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001","S_IA-P8-S018"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C018","Precise proposition":"Revival can concern an otherwise barred contract; resulting trigger depends on the qualifying acknowledgment/promise and claim.","Source/pinpoint":"S001 §614.11; S020–S021.","Predicates, consequence, confidence, exact gap":"High gateway; conditional/new-promise and oral-debt period questions held."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001","S_IA-P8-S021"],"unreopened_or_failed_source_groups":["S_IA-P8-S020"],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C019","Precise proposition":"Outside the UCC, assignment preserves the defenses specified in Rule1.205; acquisition price is not debtor payment.","Source/pinpoint":"S006 Rule1.205; S001 §614.11.","Predicates, consequence, confidence, exact gap":"High text/inference; ownership and UCC status unproved."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S006","S_IA-P8-S001"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C020","Precise proposition":"Iowa forum limitation and §614.7 borrowing require distinct analysis.","Source/pinpoint":"S024 pp.596–598; S001 §614.7.","Predicates, consequence, confidence, exact gap":"High; foreign complete bar/residency/non-Iowa origin unproved."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001"],"unreopened_or_failed_source_groups":["S_IA-P8-S024"],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C021","Precise proposition":"A choice clause or foreign period alone does not settle procedural/substantive classification.","Source/pinpoint":"S024; S001 §614.7.","Predicates, consequence, confidence, exact gap":"Conditional; actual clause and foreign law missing."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001"],"unreopened_or_failed_source_groups":["S_IA-P8-S024"],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C022","Precise proposition":"Section614.8 protects specified claimants through its disability/minority extension.","Source/pinpoint":"S001 §614.8(1)–(2).","Predicates, consequence, confidence, exact gap":"High; not automatic tolling from debtor illness."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C023","Precise proposition":"Nonresidence and unknown-person provisions are conditional; service amenability matters under Kokenge.","Source/pinpoint":"S001 §614.6; S025 pp.711–713.","Predicates, consequence, confidence, exact gap":"High text/historical holding; modern application unresolved."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001"],"unreopened_or_failed_source_groups":["S_IA-P8-S025"],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C024","Precise proposition":"Discovery/accrual, statutory tolling, and concealment estoppel are distinct doctrines.","Source/pinpoint":"S001 §614.4; S026 §III.","Predicates, consequence, confidence, exact gap":"High distinction; ordinary-debt and2026-act application qualified."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001"],"unreopened_or_failed_source_groups":["S_IA-P8-S026"],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C025","Precise proposition":"A qualifying prohibition on commencement excludes its duration under §614.13, subject to chapter exceptions.","Source/pinpoint":"S001 §614.13.","Predicates, consequence, confidence, exact gap":"High; order/statute and dates missing."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C026","Precise proposition":"Bankruptcy extension, discharge, reaffirmation, and voluntary repayment must be separately tested.","Source/pinpoint":"S013 §§108(c),524(a),(c),(e)–(f).","Predicates, consequence, confidence, exact gap":"High gateway; no actual bankruptcy facts."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":[],"unreopened_or_failed_source_groups":["S_IA-P8-S013"],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C027","Precise proposition":"SCRA §3936 excludes qualifying military-service time, with stated exceptions.","Source/pinpoint":"S014 §3936(a)–(c).","Predicates, consequence, confidence, exact gap":"High; status/dates and state-only service held."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":[],"unreopened_or_failed_source_groups":["S_IA-P8-S014"],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C028","Precise proposition":"Regular action commencement uses petition filing; small claims uses original-notice filing.","Source/pinpoint":"S006 Rule1.301; S031 §631.3.","Predicates, consequence, confidence, exact gap":"High; forum and later service requirements separate."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S006","S_IA-P8-S031"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C029","Precise proposition":"Ninety-day service rule includes dismissal/alternative-direction and good-cause branches.","Source/pinpoint":"S006 Rule1.302(5); S029 pp.5–15.","Predicates, consequence, confidence, exact gap":"High; not a guaranteed extension."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S006"],"unreopened_or_failed_source_groups":["S_IA-P8-S029"],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C030","Precise proposition":"Section614.10 supplies six-month continuation only after qualifying nonnegligent failure.","Source/pinpoint":"S001 §614.10; S027–S028.","Predicates, consequence, confidence, exact gap":"High; reason/date of failure indispensable."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001","S_IA-P8-S028"],"unreopened_or_failed_source_groups":["S_IA-P8-S027"],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C031","Precise proposition":"Relation back has occurrence and additional changed-party conditions.","Source/pinpoint":"S006 Rule1.402(5).","Predicates, consequence, confidence, exact gap":"High; no automatic correction of wrong defendant."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S006"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C032","Precise proposition":"Calendar and terminal-day rules must be applied to the particular period.","Source/pinpoint":"S003 §4.1(16),(34),(40); S006 Rule1.1801.","Predicates, consequence, confidence, exact gap":"High; actual closure/holiday and fixed-lien duration issues separate."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S003","S_IA-P8-S006"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C033","Precise proposition":"Ordinary court-of-record judgment actions have a twenty-year statutory category.","Source/pinpoint":"S001 §614.1(6).","Predicates, consequence, confidence, exact gap":"High; express support/marital and special-statute exceptions."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C034","Precise proposition":"Non-record judgments have a different ten-year category.","Source/pinpoint":"S001 §614.1(5)(a).","Predicates, consequence, confidence, exact gap":"High; actual court classification required."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C035","Precise proposition":"Early action on an Iowa record judgment within nine years requires statutory leave/notice; those years are not excluded.","Source/pinpoint":"S001 §614.3.","Predicates, consequence, confidence, exact gap":"High; historical justice-of-peace clause not generalized."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C036","Precise proposition":"Ordinary judgment lien duration and county attachment are governed separately by §§624.23–.24.","Source/pinpoint":"S008 §§624.23(1),624.24.","Predicates, consequence, confidence, exact gap":"High; no property/priority conclusion."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S008"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C037","Precise proposition":"A motion alone does not extend the original lien; separate judgment action is the recognized route.","Source/pinpoint":"S030 §II.","Predicates, consequence, confidence, exact gap":"High narrow holding; entitlement to new judgment unproved."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S030"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C038","Precise proposition":"Judgment enforcement, individual execution return, and continuing garnishment are different timing questions.","Source/pinpoint":"S009 §§626.2,.16,.27.","Predicates, consequence, confidence, exact gap":"High text; 120-day return is not judgment duration."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S009"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C039","Precise proposition":"Assigned-for-value rent judgments can trigger §615.1A’s special two-year rule.","Source/pinpoint":"S010 §615.1A.","Predicates, consequence, confidence, exact gap":"High current compilation; actual actor/stays and historical application held."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S010"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C040","Precise proposition":"Full satisfaction requires the statutory acknowledgment/filing process; it is not mere lapse of time.","Source/pinpoint":"S008 §624.37.","Predicates, consequence, confidence, exact gap":"High; balance, recipient, filings, and remedy facts absent."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S008"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C041","Precise proposition":"Covered debt collectors may not bring/threaten time-barred legal action, subject to the bankruptcy-proof exception.","Source/pinpoint":"S011 §1006.26.","Predicates, consequence, confidence, exact gap":"High; actual actor/debt coverage unproved."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":["S_IA-P8-SOURCE-001"],"selected_source_groups":["S_IA-P8-S011"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C042","Precise proposition":"FCRA reporting clocks differ from state claim/judgment clocks and have statutory exceptions.","Source/pinpoint":"S012 §1681c(a),(b),(c).","Predicates, consequence, confidence, exact gap":"High; actual reporting practices and delinquency facts absent."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":[],"unreopened_or_failed_source_groups":["S_IA-P8-S012"],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C043","Precise proposition":"Limitations proof does not establish underlying debt validity; defensive avoidance and revival have separate pleading/proof burdens.","Source/pinpoint":"S006 Rule1.419; S015; S021; S013 §524.","Predicates, consequence, confidence, exact gap":"High distinction; no actual obligation adjudicated."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S006","S_IA-P8-S015","S_IA-P8-S021"],"unreopened_or_failed_source_groups":["S_IA-P8-S013"],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C044","Precise proposition":"Iowa goods limitations refer to chapter614 and contain separate reduction/accrual/savings conditions.","Source/pinpoint":"S004 §554.2725(1)–(4).","Predicates, consequence, confidence, exact gap":"High; no imported four-year period."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S004"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C045","Precise proposition":"Installment small-claims judgments have compliance/default-affidavit enforcement conditions.","Source/pinpoint":"S031 §631.12(1).","Predicates, consequence, confidence, exact gap":"High; does not create a fresh judgment period."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S031"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C046","Precise proposition":"Gemini is unpublished and usable only within the applicable noncontrolling-reasoning citation rule.","Source/pinpoint":"S007 Rule6.904(2)(a)(2); S016.","Predicates, consequence, confidence, exact gap":"High for retrieved rule; no filing prepared."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S007","S_IA-P8-S016"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C047","Precise proposition":"This pass verifies selected current texts and one2026 amendment, not every later law, transition, or negative-treatment event.","Source/pinpoint":"Source-version/read records.","Predicates, consequence, confidence, exact gap":"Confirmed research limitation."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":[],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}},{"claim_id":"S_IA-P8-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P8-C048","Precise proposition":"Section614.12 permits only its conditional defensive use of an otherwise barred counterclaim, not ordinary affirmative recovery.","Source/pinpoint":"S001 §614.12.","Predicates, consequence, confidence, exact gap":"High; ownership/timing predicates and actual pleading absent."},"coordinator_verification_status":"whole_original_claim_read_sources_reconciled_selected_scope_only_not_all_claim_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Exact source scopes control. A fresh clause does not verify every joined proposition, historical interpretation, cited underlying case, future/currentness chain, or actual eligibility/contract/payment/service/judgment facts.","finding_ids":[],"selected_source_groups":["S_IA-P8-S001"],"unreopened_or_failed_source_groups":[],"actual_application_accepted":false}}],"sources":[{"source_id":"S_IA-P8-S001","urls":["https://www.legis.iowa.gov/docs/code/2026/614.pdf","https://www.legis.iowa.gov/docs/code/2026/614.1.pdf","https://www.legis.iowa.gov/docs/code/2026/614.5.pdf","https://www.legis.iowa.gov/docs/code/2026/614.6.pdf","https://www.legis.iowa.gov/docs/code/2026/614.7.pdf","https://www.legis.iowa.gov/docs/code/2026/614.8.pdf","https://www.legis.iowa.gov/docs/code/2026/614.10.pdf","https://www.legis.iowa.gov/docs/code/2026/614.11.pdf","https://www.legis.iowa.gov/docs/code/2026/614.13.pdf"],"researcher_record":{"Source ID":"S_IA-P8-S001","Issuer/title and full literal HTTPS URL(s)":"Iowa Legislature, 2026 Code ch. 614. https://www.legis.iowa.gov/docs/code/2026/614.pdf\nSection copies: https://www.legis.iowa.gov/docs/code/2026/614.1.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/614.5.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/614.6.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/614.7.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/614.8.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/614.10.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/614.11.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/614.13.pdf","Material body read; pinpoint and version":"§§614.1(4)–(6), .3–.13 and necessary exceptions; chapter printed pp.2, 4–6, PDF indices1,3–5. Relevant chapter/section pages visually inspected. Chapter footer Dec.9,2025; section copies Dec.12,2025.","Status/read limits":"Compilation supplemented by S002. HTML route failed; §614.3 individual PDF timed out, but its complete body was recovered in chapter PDF. Not all 17 pages analyzed."},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Selected614.1intro/(4)-(6), complete614.3-.8 and614.9-.13, including counterclaim predicates. Chapter2026footerDecember9,2025; not all17pages or later-law chain. Individual614.3knownfailed not retried.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S002","urls":["https://www.legis.iowa.gov/docs/publications/iactc/91.2/CH1150.pdf","https://www.legis.iowa.gov/docs/publications/LGE/91/attachments/SF512.html","https://www.legis.iowa.gov/legislation/billTracking/billHistory?billName=SF512&ga=91"],"researcher_record":{"Source ID":"S_IA-P8-S002","Issuer/title and full literal HTTPS URL(s)":"Iowa Legislature, 2026 Acts ch.1150 / SF512. https://www.legis.iowa.gov/docs/publications/iactc/91.2/CH1150.pdf\nhttps://www.legis.iowa.gov/docs/publications/LGE/91/attachments/SF512.html\nhttps://www.legis.iowa.gov/legislation/billTracking/billHistory?billName=SF512&ga=91","Material body read; pinpoint and version":"Complete one-page act/PDF index0, enrolled text, official passage/approval/effective history.","Status/read limits":"Approved June2; effective July1,2026. Actual act visually inspected. No separate transition clause found in this act; no complete session-law audit."},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Complete one-pageCH1150 text0-15, approvalJune2 and officialhistory effectiveJuly1,2026. No independent complete2026session-law or post-amendment construction audit.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S003","urls":["https://www.legis.iowa.gov/docs/code/2026/4.html"],"researcher_record":{"Source ID":"S_IA-P8-S003","Issuer/title and full literal HTTPS URL(s)":"Iowa Legislature, 2026 Code ch.4. https://www.legis.iowa.gov/docs/code/2026/4.html","Material body read; pinpoint and version":"§4.1(16), (34), (39), (40); §4.5.","Status/read limits":"Fresh selected HTML bodies; counting and prospective-operation qualifications only."},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Selected4.1(16)calendar-month, (34)counting/holiday/closure, (39)signature, (40)year and4.5prospective text. Whole443linechapter not certified; no real clerk closure/calendar.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S004","urls":["https://www.legis.iowa.gov/docs/code/2026/554.3118.pdf","https://www.legis.iowa.gov/docs/code/2026/554.2725.pdf"],"researcher_record":{"Source ID":"S_IA-P8-S004","Issuer/title and full literal HTTPS URL(s)":"Iowa Legislature, Iowa UCC. https://www.legis.iowa.gov/docs/code/2026/554.3118.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/554.2725.pdf","Material body read; pinpoint and version":"Complete one-page sections, each printed p.1/PDF index0; visual inspection.","Status/read limits":"Iowa-specific accrual and limitation-reference text. Article3/Article2 transaction qualification and full historical transitions not certified."},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Complete one-page554.3118 and554.2725 operative text. Iowa-specific day-after time instrument and immediate-date demand accrual, not imported six/four-year UCC periods. Reduction/future-warranty/savings exceptions preserved;2026act interaction held.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S005","urls":["https://www.legis.iowa.gov/docs/code/2026/537.5102.pdf","https://www.legis.iowa.gov/docs/code/2026/537.5109.pdf","https://www.legis.iowa.gov/docs/code/2026/537.5110.pdf"],"researcher_record":{"Source ID":"S_IA-P8-S005","Issuer/title and full literal HTTPS URL(s)":"Iowa Legislature, Consumer Credit Code enforcement gateway. https://www.legis.iowa.gov/docs/code/2026/537.5102.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.5109.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.5110.pdf","Material body read; pinpoint and version":"Complete selected sections; §.5110 printed pp.1–2/indices0–1, including exceptions and subsection7; relevant pages visually inspected.","Status/read limits":"No complete chapter537, charter, transaction-exemption, or §537.5111 notice-form analysis."},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Complete selected537.5102/.5109/.5110 bodies, including default threshold, attachment/notice, prior365day notice, surrender, ordinary20day/premium13day distinctions, cure/closedcard effects and7dismissal/smallclaims penalty exception. Actual transaction coverage and complete5111notice remain held.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S006","urls":["https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/1.pdf","https://www.legis.iowa.gov/law/courtRules/courtRulesListings","https://www.iowacourts.gov/iowa-courts/supreme-court/orders"],"researcher_record":{"Source ID":"S_IA-P8-S006","Issuer/title and full literal HTTPS URL(s)":"Iowa Legislature/Judicial Branch, Civil Procedure Rules. https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/1.pdf\nIndex: https://www.legis.iowa.gov/law/courtRules/courtRulesListings\nOrders: https://www.iowacourts.gov/iowa-courts/supreme-court/orders","Material body read; pinpoint and version":"Rules1.205,1.301,1.302(5),1.402(5),1.419,1.1801; printed pp.1,16–17,22,25,85/PDF indices10,25–26,31,34,94. Selected pages visually inspected.","Status/read limits":"Official index labeled2026; retrieved chapter bears July2023 footer. Bounded later-order checks did not establish a change to relied-on clauses; not a complete later-order audit. Alternative /docs/rules/current/court/1.pdf route failed."},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Selected1.205,1.301(1)-(2), complete1.302(5),1.402(5),1.419 and1.1801 operative text in retrievedJuly2023compilation. Ruleindex/orderchain not freshly checked; no full130pages/local/currentprocedure certification.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S007","urls":["https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/6.pdf"],"researcher_record":{"Source ID":"S_IA-P8-S007","Issuer/title and full literal HTTPS URL(s)":"Iowa Legislature/Judicial Branch, Appellate Procedure Rules. https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/6.pdf","Material body read; pinpoint and version":"Rule6.904(2)(a)(2), printed p.26/PDF index29, visually inspected.","Status/read limits":"December2025 compilation; used only to qualify unpublished-opinion use."},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Complete6.904(2)(a)(1)-(2) body in retrievedDecember2025compilation; noncontrolling persuasive reasoning/database/copy qualifications. Original Gemini unpublished status retained; no fresh official publication/citator audit or filing.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S008","urls":["https://www.legis.iowa.gov/docs/code/2026/624.html","https://www.legis.iowa.gov/docs/code/2026/624.23.pdf","https://www.legis.iowa.gov/docs/code/2026/624.24.pdf","https://www.legis.iowa.gov/docs/code/2026/624.37.pdf"],"researcher_record":{"Source ID":"S_IA-P8-S008","Issuer/title and full literal HTTPS URL(s)":"Iowa Legislature, 2026 Code ch.624. https://www.legis.iowa.gov/docs/code/2026/624.html\nhttps://www.legis.iowa.gov/docs/code/2026/624.23.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/624.24.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/624.37.pdf","Material body read; pinpoint and version":"§§624.20, .23, .24–.26, .37; selected complete bodies. SectionPDFs pp.1–2/indices0–1 where applicable; pertinent pages visually inspected.","Status/read limits":"Lien duration/recording/satisfaction only. Homestead, priority, recognition, and special-support merits excluded."},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Complete624.23(1)-(3) selected ordinary lien/homestead/bankruptcy qualifications, full624.24county/recognition and624.37satisfaction bodies. Other624.23subsections/.20/.25/.26 not wholly reopened; no property/priority determination.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S009","urls":["https://www.legis.iowa.gov/docs/code/2026/626.pdf"],"researcher_record":{"Source ID":"S_IA-P8-S009","Issuer/title and full literal HTTPS URL(s)":"Iowa Legislature, 2026 Code ch.626. https://www.legis.iowa.gov/docs/code/2026/626.pdf","Material body read; pinpoint and version":"§§626.1–.5, .16, .27; printed pp.2,4,6/PDF indices1,3,5, visually inspected.","Status/read limits":"HTML route failed; PDF recovered text. Not a full execution/garnishment review."},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Selected626.2, complete626.16 and626.27 operative bodies; twenty-year eligibility not certified for actual judgment or allspecial statutes; no full20page execution review.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S010","urls":["https://www.legis.iowa.gov/docs/code/2026/615.html"],"researcher_record":{"Source ID":"S_IA-P8-S010","Issuer/title and full literal HTTPS URL(s)":"Iowa Legislature, 2026 Code ch.615. https://www.legis.iowa.gov/docs/code/2026/615.html","Material body read; pinpoint and version":"§§615.1–.4, particularly complete §615.1A.","Status/read limits":"Special-category boundaries; underlying2013/2018 application history not fully read."},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Selected615.1/.1A/.2/.3 statutory bodies, rent original10/20 versus thirdpartyassignment2years/bankcreditunion/stay conditions. Original2013/2018application and full615.4body remain held.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S011","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26"],"researcher_record":{"Source ID":"S_IA-P8-S011","Issuer/title and full literal HTTPS URL(s)":"eCFR, 12 CFR1006.26. https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26","Material body read; pinpoint and version":"Complete subsections(a)–(c).","Status/read limits":"Display current through Oct.23,2026. Actor/debt coverage and other FDCPA provisions remain conditional; no guidance relied upon."},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Complete current1006.26(a)-(b), definition, legal-action/threat prohibition and express bankruptcy-proof exception inside(b), displayedtitlecurrentOctober26,lastamendedOctober23. Original(a)-(c)readrange requires boundedsource-description repair; original researcherdisplaydate stays attributed.","selected_evidence_only":true,"finding_ids":["S_IA-P8-SOURCE-001"],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S012","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1681c/"],"researcher_record":{"Source ID":"S_IA-P8-S012","Issuer/title and full literal HTTPS URL(s)":"U.S. House OLRC, 15 USC1681c. https://uscode.house.gov/us/usc/119-118/t15/s1681c/","Material body read; pinpoint and version":"(a)(2),(4), (b), (c), including effective/application language.","Status/read limits":"Display through Pub.L.119-120, Oct.7,2026. Statutory obsolescence only; bureau policies and complete FCRA not reviewed."},"coordinator_verification_status":"literal_route_failed_once_original_access_claim_preserved","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original access/body/publication/version claim retained as researcher attribution. No newly read complete primary body, currentness or actual application certification.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S013","urls":["https://uscode.house.gov/us/usc/119-118/t11/s108/","https://uscode.house.gov/us/usc/119-118/t11/s524/"],"researcher_record":{"Source ID":"S_IA-P8-S013","Issuer/title and full literal HTTPS URL(s)":"U.S. House OLRC, 11 USC108 and524. https://uscode.house.gov/us/usc/119-118/t11/s108/\nhttps://uscode.house.gov/us/usc/119-118/t11/s524/","Material body read; pinpoint and version":"§108(a)–(c); §524(a), complete(c), pertinent(d)–(f).","Status/read limits":"Display through Oct.7,2026. Reaffirmation/discharge/stay gateway only; no bankruptcy case or order supplied."},"coordinator_verification_status":"literal_route_failed_once_original_access_claim_preserved","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original access/body/publication/version claim retained as researcher attribution. No newly read complete primary body, currentness or actual application certification.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S014","urls":["https://uscode.house.gov/us/usc/119-118/t50/s3936/"],"researcher_record":{"Source ID":"S_IA-P8-S014","Issuer/title and full literal HTTPS URL(s)":"U.S. House OLRC, 50 USC3936. https://uscode.house.gov/us/usc/119-118/t50/s3936/","Material body read; pinpoint and version":"Complete section, tax exception and application note.","Status/read limits":"Military-period boundary only; actual service eligibility and Iowa National Guard statute unverified."},"coordinator_verification_status":"literal_route_failed_once_original_access_claim_preserved","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original access/body/publication/version claim retained as researcher attribution. No newly read complete primary body, currentness or actual application certification.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S031","urls":["https://www.legis.iowa.gov/docs/code/2026/631.3.pdf","https://www.legis.iowa.gov/docs/code/2026/631.12.pdf"],"researcher_record":{"Source ID":"S_IA-P8-S031","Issuer/title and full literal HTTPS URL(s)":"Iowa Legislature, Small Claims. https://www.legis.iowa.gov/docs/code/2026/631.3.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/631.12.pdf","Material body read; pinpoint and version":"Complete one-page sections/PDF index0 each; visually inspected.","Status/read limits":"Original-notice commencement and installment-judgment enforcement boundary; no full small-claims service/default review."},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Complete631.3 and631.12 selectedbody; filingoriginalnotice/conditionalinstallmentjudgmentexecution and affidavit; no allsmallclaims/courtclassification/default/service review.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S032","urls":["https://www.legis.iowa.gov/docs/code/2026/554D.pdf"],"researcher_record":{"Source ID":"S_IA-P8-S032","Issuer/title and full literal HTTPS URL(s)":"Iowa Legislature, 2026 Code ch.554D. https://www.legis.iowa.gov/docs/code/2026/554D.pdf","Material body read; pinpoint and version":"§§554D.103(7)–(8), .104, .106, .108, .111; printed pp.2–4/PDF indices1–3 visually inspected.","Status/read limits":"Fresh narrow classification/attribution read, not reuse of unreviewed P06. UCC scope exclusion preserved; no disclosure rerun."},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Selected554D.103(7)-(8),.104,.106,.108,.111 complete operative bodies90-170/200-209. Actualagreement/attribution/scope/UCC-exclusion/otherlaw preserved; no electronicnotes/disclosure/currentchain certification.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S015","urls":["https://law.justia.com/cases/iowa/supreme-court/1984/83-1562-0.html"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S015 — Matherly v. Hanson\nhttps://law.justia.com/cases/iowa/supreme-court/1984/83-1562-0.html","Court, date, publication/citation":"Iowa Supreme Court, Dec.19,1984; 359 N.W.2d450.","Actual body read and narrow holding":"Majority’s written-contract and estoppel analysis, pp.454–458. Papers did not establish the essential written obligation needed for the longer period.","Disposition and limits":"Summary judgment affirmed. Dissent not adopted; no blanket unsigned-contract rule. \nJustia Law"},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Matherly selected published majority38-81 and105-132, narrowobligation-versus-incidentalparolevidence distinction. No adoption of every allmaterialterms formulation quoted from other jurisdictions; underlying cited cases not freshly read.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S016","urls":["https://law.justia.com/cases/iowa/court-of-appeals/2011/1-521.html"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S016 — Gemini Capital Group, LLC v. New\nhttps://law.justia.com/cases/iowa/court-of-appeals/2011/1-521.html","Court, date, publication/citation":"Iowa Court of Appeals, Sept.8,2011; No.10-1096, unpublished; Doyle majority, separate concurrence/dissent.","Actual body read and narrow holding":"Majority slip pp.2–7. Generic agreement and the presented account evidence did not establish the written-contract category.","Disposition and limits":"Reversed/remanded. Reasoning only under Rule6.904; not controlling and not counted among the15 published opinions. \nJustia Law"},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Gemini majority47-71, genericagreement and lackofproducedwrittenacceptance, narrowrecord/reverse-remand. SeparateTabor/Eisenhauer writings not adopted; originalunpublishedqualification retained underchecked6.904, no freshofficialpublication/citator audit.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S017","urls":["https://www.iowacourts.gov/moduledocuments/embed/18628/91046_A30BA3500EA35.pdf"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S017 — Capital One Bank (USA), N.A. v. Denboer\nhttps://www.iowacourts.gov/moduledocuments/embed/18628/91046_A30BA3500EA35.pdf","Court, date, publication/citation":"Iowa Court of Appeals, Aug.25,2010; 791 N.W.2d264, No.09-0354.","Actual body read and narrow holding":"Official majority PDF; account-stated analysis, printed pp.11–18/indices10–17, and disposition. Account stated may be available subject to statutory proof requirements.","Disposition and limits":"Reversed/remanded dismissals. Not a limitations holding and not proof every statement creates a new contract. \nIowa Judicial Branch"},"coordinator_verification_status":"original_attributed_judicial_access_not_newly_reopened","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original access/body/publication/version claim retained as researcher attribution. No newly read complete primary body, currentness or actual application certification.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S018","urls":["https://law.justia.com/cases/iowa/supreme-court/1950/47706-0.html"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S018 — Buttolph v. Geeseka\nhttps://law.justia.com/cases/iowa/supreme-court/1950/47706-0.html","Court, date, publication/citation":"Iowa Supreme Court, Oct.17,1950; 44 N.W.2d434.","Actual body read and narrow holding":"Majority pp.435–436. Later cash dealings/unilateral entries did not extend the earlier account; the particular attorney pleading did not establish revival.","Disposition and limits":"Affirmed. Historical subsection numbering; no universal ruling on all authorized representative signatures. \nJustia Law"},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Buttolph selected majorityfacts63-79 and73-89, runningaccount/qualifiedadmission/particularattorneysignedpleading; affirmedwithtwojudgesexceptingHornapplication. No universalagency/signature invalidity finding.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S019","urls":["https://law.justia.com/cases/iowa/supreme-court/1959/49670-0.html"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S019 — In re Estate of Brooks\nhttps://law.justia.com/cases/iowa/supreme-court/1959/49670-0.html","Court, date, publication/citation":"Iowa Supreme Court, Mar.10,1959; 95 N.W.2d287.","Actual body read and narrow holding":"Majority §IV, pp.290–291. Partial payment/oral promise did not replace required signed written acknowledgment.","Disposition and limits":"Affirmed. Probate facts; no general estate-claim deadline imported. \nJustia Law"},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Brooks selected opinionfacts62-75, majority73-96, sectionIVpayment/oralpromise insufficiency and writtenstatute; probate/specificrecord/historicalnumbering limits retained.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S020","urls":["https://law.justia.com/cases/iowa/supreme-court/1964/51223-0.html"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S020 — Schroedl v. McTague (1964)\nhttps://law.justia.com/cases/iowa/supreme-court/1964/51223-0.html","Court, date, publication/citation":"Iowa Supreme Court, June9,1964; 129 N.W.2d19.","Actual body read and narrow holding":"Majority pp.21–23. Tax-return evidence could support acknowledgment when sufficiently tied to the note; originals’ signatures were established and copy objections were not raised.","Disposition and limits":"Directed verdict reversed; remanded for factfinding, not automatic revival judgment. \nJustia Law"},"coordinator_verification_status":"original_attributed_judicial_access_not_newly_reopened","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original access/body/publication/version claim retained as researcher attribution. No newly read complete primary body, currentness or actual application certification.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S021","urls":["https://law.justia.com/cases/iowa/supreme-court/1969/53281-0.html"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S021 — Schroedl v. McTague (1969)\nhttps://law.justia.com/cases/iowa/supreme-court/1969/53281-0.html","Court, date, publication/citation":"Iowa Supreme Court, July24,1969; 169 N.W.2d860.","Actual body read and narrow holding":"Majority §IX, pp.866–867. Claimant had to connect the signed entries to interest on the particular note and prove revival; payment alone was insufficient.","Disposition and limits":"Defense verdict affirmed. The intervening1966 opinion was not independently read. \nJustia Law"},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Schroedl1969 selected posture62-72 and sectionIX113-130, taxinterestversusdividend and particularnote linkage, preponderance and affirmance. Quoted trialinstructions read with ownno-reversibleerror holding;1964/1966 underlying bodies not newly reopened.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S022","urls":["https://law.justia.com/cases/iowa/supreme-court/1967/52293-0.html"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S022 — Frenzel v. Frenzel\nhttps://law.justia.com/cases/iowa/supreme-court/1967/52293-0.html","Court, date, publication/citation":"Iowa Supreme Court, July11,1967; 152 N.W.2d157.","Actual body read and narrow holding":"Majority installment/acceleration discussion, pp.158–160, §§II–VI. Instruments read together; acceleration was not self-executing.","Disposition and limits":"Affirmed. Secured-note facts used only for accrual doctrine; historical foreclosure rules not imported. \nJustia Law\n+1"},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Frenzel selected opinion62-135, separateinstallments, conflictingnote/mortgage terms and ownnon-selfexecuting conclusion. Securednote/historicalforeclosure and quotedunderlying cases not generalized.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S023","urls":["https://law.justia.com/cases/iowa/supreme-court/1982/66050-0.html"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S023 — Dunn v. General Equities of Iowa, Ltd.\nhttps://law.justia.com/cases/iowa/supreme-court/1982/66050-0.html","Court, date, publication/citation":"Iowa Supreme Court, May19,1982; 319 N.W.2d515.","Actual body read and narrow holding":"Majority §§I–II, pp.516–518. Prior acceptance of late payments supported waiver of acceleration on the record.","Disposition and limits":"Affirmed. Not a universal consumer notice rule or an independent limitations-period decision. \nJustia Law"},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Dunn majority63-94, courseofdealing/latepayment/noticewithdrawalwaiver and substantialevidencesupport; not universalnoacceleration or a separatelyverifiedlimitationperiod.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S024","urls":["https://law.justia.com/cases/iowa/supreme-court/1987/86-1307-0.html"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S024 — Cameron v. Hardisty\nhttps://law.justia.com/cases/iowa/supreme-court/1987/86-1307-0.html","Court, date, publication/citation":"Iowa Supreme Court, June17,1987; 407 N.W.2d595.","Actual body read and narrow holding":"Majority pp.596–598. Applied Iowa forum limitation to certified multistate accident facts.","Disposition and limits":"Certified question answered. Does not decide every contractual choice clause or foreign substantive extinguishment. \nJustia Law"},"coordinator_verification_status":"original_attributed_judicial_access_not_newly_reopened","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original access/body/publication/version claim retained as researcher attribution. No newly read complete primary body, currentness or actual application certification.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S025","urls":["https://law.justia.com/cases/iowa/supreme-court/1952/47954-0.html"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S025 — Kokenge v. Holthaus\nhttps://law.justia.com/cases/iowa/supreme-court/1952/47954-0.html","Court, date, publication/citation":"Iowa Supreme Court, Apr.1,1952; 52 N.W.2d711.","Actual body read and narrow holding":"Majority pp.711–713. Continued amenability to Iowa motorist service defeated the claimed nonresidence extension.","Disposition and limits":"Bar applied. Historical motorist/predecessor-statute context; modern ordinary-debt application remains fact-dependent. \nJustia Law"},"coordinator_verification_status":"original_attributed_judicial_access_not_newly_reopened","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original access/body/publication/version claim retained as researcher attribution. No newly read complete primary body, currentness or actual application certification.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S026","urls":["https://caselaw.findlaw.com/court/ia-supreme-court/2170410.html"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S026 — Downing v. Grossmann\nhttps://caselaw.findlaw.com/court/ia-supreme-court/2170410.html","Court, date, publication/citation":"Iowa Supreme Court, Apr.22,2022; No.20-1124, published opinion.","Actual body read and narrow holding":"Majority §III, displayed HTML lines95–132. Distinguished repose, accrual, and estoppel; required subsequent independent concealment under the applicable doctrine.","Disposition and limits":"Court of Appeals vacated; district judgment affirmed. Reporter pagination not verified; medical period not imported into debt law. \nFindLaw Caselaw\n+1"},"coordinator_verification_status":"original_attributed_judicial_access_not_newly_reopened","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original access/body/publication/version claim retained as researcher attribution. No newly read complete primary body, currentness or actual application certification.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S027","urls":["https://law.justia.com/cases/iowa/supreme-court/2011/10-0180.html"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S027 — Furnald v. Hughes\nhttps://law.justia.com/cases/iowa/supreme-court/2011/10-0180.html","Court, date, publication/citation":"Iowa Supreme Court, Sept.30,2011; 804 N.W.2d273.","Actual body read and narrow holding":"Majority savings analysis, pp.276–282. Strategic voluntary dismissal under the particular circumstances did not satisfy §614.10.","Disposition and limits":"Affirmed. Read with Trask; not all voluntary dismissals are categorically excluded under §614.10. \nJustia Law"},"coordinator_verification_status":"original_attributed_judicial_access_not_newly_reopened","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original access/body/publication/version claim retained as researcher attribution. No newly read complete primary body, currentness or actual application certification.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S028","urls":["https://law.justia.com/cases/iowa/supreme-court/2026/25-0671.html","https://cases.justia.com/iowa/supreme-court/2026-25-0671.pdf?ts=1780063498"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S028 — Trask v. Ahmed\nhttps://law.justia.com/cases/iowa/supreme-court/2026/25-0671.html\nhttps://cases.justia.com/iowa/supreme-court/2026-25-0671.pdf?ts=1780063498","Court, date, publication/citation":"Iowa Supreme Court, May29,2026; No.25-0671, published unanimous opinion.","Actual body read and narrow holding":"Majority printed pp.4–14/PDF indices3–13. Legal futility following intervening certificate-law development supported savings without negligent prosecution.","Disposition and limits":"Reversed/remanded. Medical certificate requirements are not generalized to debt suits; reporter citation not verified. \nJustia Law"},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Trask reproduced unanimousmajority58-114, factual/legal-futility and reasonableunsettledlaw qualification for614.10; reversed/remanded. A find result returned operative75-114 and was actually consumed; AIpublisher summary49-51excluded. No underlyingquotedopinion or medicalmerits imported.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S029","urls":["https://law.justia.com/cases/iowa/supreme-court/2013/111394.html","https://cases.justia.com/iowa/supreme-court/111394.pdf?ts=1396154078"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S029 — Rucker v. Taylor\nhttps://law.justia.com/cases/iowa/supreme-court/2013/111394.html\nhttps://cases.justia.com/iowa/supreme-court/111394.pdf?ts=1396154078","Court, date, publication/citation":"Iowa Supreme Court, Mar.22,2013; 828 N.W.2d595.","Actual body read and narrow holding":"Majority printed pp.2–15/indices1–14. Particular communications and conduct established good cause for late service.","Disposition and limits":"Denial of dismissal affirmed; remanded. Dissent begins printed p.16 and is not relied upon. \nJustia Law"},"coordinator_verification_status":"original_attributed_judicial_access_not_newly_reopened","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original access/body/publication/version claim retained as researcher attribution. No newly read complete primary body, currentness or actual application certification.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}},{"source_id":"S_IA-P8-S030","urls":["https://caselaw.findlaw.com/court/ia-supreme-court/1231914.html"],"researcher_record":{"Source ID / opinion and full URL":"S_IA-P8-S030 — Whitters v. Neal\nhttps://caselaw.findlaw.com/court/ia-supreme-court/1231914.html","Court, date, publication/citation":"Iowa Supreme Court, Dec.22,1999; No.98-2181, published opinion.","Actual body read and narrow holding":"Complete short majority, especially §II, displayed HTML lines71–103. Motion alone could not extend the original lien; separate action identified.","Disposition and limits":"Reversed/remanded to deny motion. Reporter pagination not verified; no automatic new-judgment entitlement. \nFindLaw Caselaw\n+1"},"coordinator_verification_status":"selected_new_public_primary_or_reproduced_opinion_text_with_limits","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Whitters complete shortreproducedmajority64-103 and dateheader49-61, tenyearlien/twentyyearjudgment, statutorynineyearleave and separateactionversusmotion. No actualnewjudgmententitlement/currentcitator; quotedLackenderstatutenumber not propagated as614.3.","selected_evidence_only":true,"finding_ids":[],"currentness_and_application_accepted":false}}],"coverage":[{"topic":"CV01 — Current periods and2026 amendment","researcher_record":{"Coverage ID / requested issue":"CV01 — Current periods and2026 amendment","Status":"Answered with currentness limit","Claims":"C001–C003,C047","Exact missing evidence or next investigation":"Complete other-enactment audit and post-amendment construction."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C001","S_IA-P8-C002","S_IA-P8-C003","S_IA-P8-C047"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV02 — Written-contract category","researcher_record":{"Coverage ID / requested issue":"CV02 — Written-contract category","Status":"Partial","Claims":"C003–C004","Exact missing evidence or next investigation":"Authentic obligation, complete terms, applicable published-case comparison."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C003","S_IA-P8-C004"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV03 — Unsigned/electronic classification","researcher_record":{"Coverage ID / requested issue":"CV03 — Unsigned/electronic classification","Status":"Partial","Claims":"C005–C006","Exact missing evidence or next investigation":"Assent, attribution, incorporation, UCC scope and actual record."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C005","S_IA-P8-C006"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV04 — Card/open-account distinction","researcher_record":{"Coverage ID / requested issue":"CV04 — Card/open-account distinction","Status":"Partial","Claims":"C006–C007","Exact missing evidence or next investigation":"Actual claim theory and transaction history; modern controlling card-SOL opinion not located."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C006","S_IA-P8-C007"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV05 — Account stated","researcher_record":{"Coverage ID / requested issue":"CV05 — Account stated","Status":"Partial","Claims":"C008","Exact missing evidence or next investigation":"Actual assent and a responsive holding on limitation/revival of an already barred account."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C008"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV06 — Notes/demand/time instruments","researcher_record":{"Coverage ID / requested issue":"CV06 — Notes/demand/time instruments","Status":"Answered conditionally","Claims":"C009","Exact missing evidence or next investigation":"Instrument status, maturity and special instrument provisions."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C009"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV07 — Separate installments","researcher_record":{"Coverage ID / requested issue":"CV07 — Separate installments","Status":"Answered conditionally","Claims":"C010","Exact missing evidence or next investigation":"Actual schedule and maturity events."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C010"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV08 — Optional/automatic acceleration and cure","researcher_record":{"Coverage ID / requested issue":"CV08 — Optional/automatic acceleration and cure","Status":"Partial","Claims":"C011–C012","Exact missing evidence or next investigation":"Authentic clause, election, waiver, valid notice, coverage; no universal automatic-clause rule."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C011","S_IA-P8-C012"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV09 — Charge-off/first-miss/sale accrual","researcher_record":{"Coverage ID / requested issue":"CV09 — Charge-off/first-miss/sale accrual","Status":"Answered as nonautomatic","Claims":"C013","Exact missing evidence or next investigation":"Actual legally operative trigger."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C013"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV10 — Validity and burdens","researcher_record":{"Coverage ID / requested issue":"CV10 — Validity and burdens","Status":"Partial","Claims":"C016,C043","Exact missing evidence or next investigation":"Actual debt, identity, defenses, summary-judgment record; full merits excluded."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C016","S_IA-P8-C043"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV11 — Written acknowledgment/new promise","researcher_record":{"Coverage ID / requested issue":"CV11 — Written acknowledgment/new promise","Status":"Answered at gateway","Claims":"C014,C016","Exact missing evidence or next investigation":"Actual signed content and identified debt."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C014","S_IA-P8-C016"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV12 — Before/after expiry and resulting duration","researcher_record":{"Coverage ID / requested issue":"CV12 — Before/after expiry and resulting duration","Status":"Partial","Claims":"C018","Exact missing evidence or next investigation":"Conditional promises, novations, oral-debt conversion, exact revival date."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C018"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV13 — Partial/interest/token payment","researcher_record":{"Coverage ID / requested issue":"CV13 — Partial/interest/token payment","Status":"Answered as insufficient alone","Claims":"C015","Exact missing evidence or next investigation":"Associated signed admission/promise, if any."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C015"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV14 — Attorney/agent/co-obligor/representative acts","researcher_record":{"Coverage ID / requested issue":"CV14 — Attorney/agent/co-obligor/representative acts","Status":"Partial","Claims":"C017,C026","Exact missing evidence or next investigation":"Authority, each party charged, insolvency/estate law where relevant."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C017","S_IA-P8-C026"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV15 — Sale and assignee rights","researcher_record":{"Coverage ID / requested issue":"CV15 — Sale and assignee rights","Status":"Partial","Claims":"C019,C039","Exact missing evidence or next investigation":"Chain of title, UCC status, rent-judgment exception, actual transfer terms."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C019","S_IA-P8-C039"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV16 — Forum law/borrowing","researcher_record":{"Coverage ID / requested issue":"CV16 — Forum law/borrowing","Status":"Partial","Claims":"C020","Exact missing evidence or next investigation":"Cause location, prior residence, complete foreign bar."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C020"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV17 — Choice clauses/foreign substantive law","researcher_record":{"Coverage ID / requested issue":"CV17 — Choice clauses/foreign substantive law","Status":"Unresolved for actual transaction","Claims":"C021","Exact missing evidence or next investigation":"Clause and foreign statute/cases; no shortest/longest shortcut."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C021"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV18 — Disability/minority","researcher_record":{"Coverage ID / requested issue":"CV18 — Disability/minority","Status":"Answered conditionally","Claims":"C022","Exact missing evidence or next investigation":"Protected claimant, disability and termination dates, exceptions."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C022"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV19 — Absence/nonresidence/unknown identity","researcher_record":{"Coverage ID / requested issue":"CV19 — Absence/nonresidence/unknown identity","Status":"Partial","Claims":"C023","Exact missing evidence or next investigation":"Modern service amenability and actual statutory eligibility."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C023"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV20 — Discovery/concealment/estoppel","researcher_record":{"Coverage ID / requested issue":"CV20 — Discovery/concealment/estoppel","Status":"Partial","Claims":"C024,C001","Exact missing evidence or next investigation":"Ordinary-debt facts, proof elements, post2026 construction."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C024","S_IA-P8-C001"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV21 — Statutory/injunction tolling","researcher_record":{"Coverage ID / requested issue":"CV21 — Statutory/injunction tolling","Status":"Answered conditionally","Claims":"C025","Exact missing evidence or next investigation":"Actual prohibition and dates; chapter exceptions."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C025"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV22 — Bankruptcy boundary","researcher_record":{"Coverage ID / requested issue":"CV22 — Bankruptcy boundary","Status":"Partial","Claims":"C026","Exact missing evidence or next investigation":"Stay/discharge/reaffirmation orders and governing suspension law."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C026"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV23 — Military boundary","researcher_record":{"Coverage ID / requested issue":"CV23 — Military boundary","Status":"Partial","Claims":"C027","Exact missing evidence or next investigation":"Service status/dates; Iowa §29A.98 and state-only service remain open."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C027"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV24 — Savings/dismissal/recommencement","researcher_record":{"Coverage ID / requested issue":"CV24 — Savings/dismissal/recommencement","Status":"Answered conditionally","Claims":"C030,C044","Exact missing evidence or next investigation":"Reason/date of failure; distinguish goods savings provision."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C030","S_IA-P8-C044"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV25 — Commencement to stop clock","researcher_record":{"Coverage ID / requested issue":"CV25 — Commencement to stop clock","Status":"Answered by forum category","Claims":"C028","Exact missing evidence or next investigation":"Actual filing; federal/other-forum commencement excluded."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C028"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV26 — Service preservation","researcher_record":{"Coverage ID / requested issue":"CV26 — Service preservation","Status":"Partial","Claims":"C029","Exact missing evidence or next investigation":"Actual service, good cause, extension, court direction; no answer/default analysis."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C029"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV27 — Relation back","researcher_record":{"Coverage ID / requested issue":"CV27 — Relation back","Status":"Answered conditionally","Claims":"C031","Exact missing evidence or next investigation":"Same occurrence, notice, prejudice, identity mistake."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C031"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV28 — Counting/weekends/holidays","researcher_record":{"Coverage ID / requested issue":"CV28 — Counting/weekends/holidays","Status":"Answered for stipulated models","Claims":"C032","Exact missing evidence or next investigation":"Actual clerk closure and future-law verification; fixed-lien issue qualified."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C032"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV29 — Court-of-record judgment duration","researcher_record":{"Coverage ID / requested issue":"CV29 — Court-of-record judgment duration","Status":"Answered conditionally","Claims":"C033","Exact missing evidence or next investigation":"Actual court/category/date, stays, satisfaction, special statutes."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C033"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV30 — Non-record/small-claims distinction","researcher_record":{"Coverage ID / requested issue":"CV30 — Non-record/small-claims distinction","Status":"Partial","Claims":"C034,C045","Exact missing evidence or next investigation":"Actual tribunal status and installment order; not all small claims deemed non-record."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C034","S_IA-P8-C045"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV31 — Action on judgment/early leave","researcher_record":{"Coverage ID / requested issue":"CV31 — Action on judgment/early leave","Status":"Answered","Claims":"C035","Exact missing evidence or next investigation":"Actual creditor entitlement, petition, notice and order."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C035"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV32 — Lien duration/recording","researcher_record":{"Coverage ID / requested issue":"CV32 — Lien duration/recording","Status":"Answered at gateway","Claims":"C036","Exact missing evidence or next investigation":"Property, county filings, exemptions and priority excluded."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C036"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV33 — New judgment versus motion renewal","researcher_record":{"Coverage ID / requested issue":"CV33 — New judgment versus motion renewal","Status":"Answered at mechanism level","Claims":"C037","Exact missing evidence or next investigation":"Actual new action/judgment; no automatic entitlement."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C037"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV34 — Dormancy/individual writ/continuing process","researcher_record":{"Coverage ID / requested issue":"CV34 — Dormancy/individual writ/continuing process","Status":"Partial","Claims":"C038","Exact missing evidence or next investigation":"No extra universal dormancy period established; special process facts and exceptions remain."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C038"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV35 — Changed judgment ownership/special rent","researcher_record":{"Coverage ID / requested issue":"CV35 — Changed judgment ownership/special rent","Status":"Partial","Claims":"C019,C039","Exact missing evidence or next investigation":"Transfer facts and2013/2018 application history."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C019","S_IA-P8-C039"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV36 — Satisfaction/release","researcher_record":{"Coverage ID / requested issue":"CV36 — Satisfaction/release","Status":"Answered at gateway","Claims":"C040","Exact missing evidence or next investigation":"Actual payoff, instrument, county entries; full remedies/interest model excluded."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C040"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV37 — Federal time-barred-suit overlay","researcher_record":{"Coverage ID / requested issue":"CV37 — Federal time-barred-suit overlay","Status":"Answered conditionally","Claims":"C041","Exact missing evidence or next investigation":"Actual FDCPA/RegulationF actor and debt coverage."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C041"],"finding_ids":["S_IA-P8-SOURCE-001"],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV38 — Reporting clock separation","researcher_record":{"Coverage ID / requested issue":"CV38 — Reporting clock separation","Status":"Answered conditionally","Claims":"C042","Exact missing evidence or next investigation":"Delinquency/cure history, statutory exceptions; complete FCRA excluded."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C042"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV39 — Defensive counterclaim","researcher_record":{"Coverage ID / requested issue":"CV39 — Defensive counterclaim","Status":"Answered conditionally","Claims":"C048","Exact missing evidence or next investigation":"Statutory ownership and timing; no affirmative recovery inferred."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C048"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV40 — Published cases and unpublished status","researcher_record":{"Coverage ID / requested issue":"CV40 — Published cases and unpublished status","Status":"Answered with citator limit","Claims":"C046–C047","Exact missing evidence or next investigation":"Complete later-treatment review, reporter citations not verified for specified rows."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C046","S_IA-P8-C047"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV41 — Four models and22 smaller postures","researcher_record":{"Coverage ID / requested issue":"CV41 — Four models and22 smaller postures","Status":"Completed as fictional analysis","Claims":"Relevant claims above","Exact missing evidence or next investigation":"No actual client facts; conditional results cannot be operationalized."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":[],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV42 — Federal court/local/tribal/international","researcher_record":{"Coverage ID / requested issue":"CV42 — Federal court/local/tribal/international","Status":"Excluded except boundaries","Claims":"C020,C027,C036,C047","Exact missing evidence or next investigation":"Forum-specific commencement, recognition, jurisdiction and tribal law."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C020","S_IA-P8-C027","S_IA-P8-C036","S_IA-P8-C047"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV43 — Special sectors and broader merits","researcher_record":{"Coverage ID / requested issue":"CV43 — Special sectors and broader merits","Status":"Excluded except necessary distinctions","Claims":"C003,C012,C026,C039,C044","Exact missing evidence or next investigation":"Secured debt, tax, support, education, estates, garnishment, exemptions and full litigation."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C003","S_IA-P8-C012","S_IA-P8-C026","S_IA-P8-C039","S_IA-P8-C044"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"CV44 — Actual-account/currentness/acceptance limits","researcher_record":{"Coverage ID / requested issue":"CV44 — Actual-account/currentness/acceptance limits","Status":"Unresolved","Claims":"C043,C047","Exact missing evidence or next investigation":"No actual obligation, payment, assignment, judgment, service or account; no complete later-law/citator certificate."},"coordinator_acceptance":"scoped_review_with_retained_holds_not_parent_or_application_acceptance","coordinator_review":{"at":"2026-10-29T07:22:06.787377+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_IA-P8-C043","S_IA-P8-C047"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}}],"annotations":{},"corrections":[{"issue_id":"S_IA-P8-SOURCE-001","finding":"","affected_claim_ids":["S_IA-P8-C041"],"related_claim_ids":[],"validated_exact_raw_rows":[{"raw_table_index_zero_based":5,"raw_array_row_index_zero_based_including_header":11,"header_repeated_at_row_zero":true,"row_cells_sha256":"231afb5fee4afcb578f19474862a5ccfdeb32cff5dea5bae01497a978de42a91","verbatim_cells":["S_IA-P8-S011","eCFR, 12 CFR1006.26. https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26","Complete subsections(a)–(c).","Display current through Oct.23,2026. Actor/debt coverage and other FDCPA provisions remain conditional; no guidance relied upon."]}],"exact_original_cell_matches":[{"native_field":"original_exact_cell","original_text":"Complete subsections(a)–(c).","matches":[{"raw_table_index_zero_based":5,"raw_array_row_index_zero_based_including_header":11,"cell_index_zero_based":2}],"automatic_application_allowed":true}],"source_urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26"],"localization":"exact_native_row_or_cell_matches_available","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"S_IA-P8-REVIEW-SCOPE","status":"scoped_delegated_coordinator_review_complete_with_retained_holds_one_bounded_source_range_UNSENT","at":null},{"id":"S_IA-P8-SOURCE-ACCESS-CURRENTNESS-HOLD","status":"open_retained_source_access_currentness_judicial_holds","at":null},{"id":"S_IA-P8-LIMITATION-JUDGMENT-APPLICATION-HOLD","status":"open_actual_classification_payment_procedure_judgment_and_parent_holds","at":null}]}