reglab/housing_qa huggingface dataset:
IA Code § 654.20 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654 - FORECLOSURE OF REAL ESTATE MORTGAGES|Section 654.20 - Foreclosure without redemption — nonagricultural land.

654.20 Foreclosure without redemption — nonagricultural land.   1. If the mortgaged property is not used for an agricultural purpose as defined in section 535.13, the plaintiff in an action to foreclose a real estate mortgage may include in the petition an election for foreclosure without redemption. The election is effective only if the first page of the petition contains the following notice in capital letters of the same type or print size as the rest of the petition:  NOTICE   THE PLAINTIFF HAS ELECTED FORECLOSURE WITHOUT REDEMPTION. THIS MEANS THAT THE SALE OF THE MORTGAGED PROPERTY WILL OCCUR PROMPTLY AFTER ENTRY OF JUDGMENT UNLESS YOU FILE WITH THE COURT A WRITTEN DEMAND TO DELAY THE SALE. IF YOU FILE A WRITTEN DEMAND, THE SALE WILL BE DELAYED UNTIL SIX MONTHS (or THREE MONTHS if the petition includes a waiver of deficiency judgment) FROM ENTRY OF JUDGMENT IF THE MORTGAGED PROPERTY IS YOUR RESIDENCE AND IS A ONE-FAMILY OR TWO-FAMILY DWELLING OR UNTIL TWO MONTHS FROM ENTRY OF JUDGMENT IF THE MORTGAGED PROPERTY IS NOT YOUR RESIDENCE OR IS YOUR RESIDENCE BUT NOT A ONE-FAMILY OR TWO-FAMILY DWELLING. YOU WILL HAVE NO RIGHT OF REDEMPTION AFTER THE SALE. THE PURCHASER AT THE SALE WILL BE ENTITLED TO IMMEDIATE POSSESSION OF THE MORTGAGED PROPERTY. YOU MAY PURCHASE AT THE SALE.   2. If the plaintiff has not included in the petition a waiver of deficiency judgment, then the notice shall include the following:   IF YOU DO NOT FILE A WRITTEN DEMAND TO DELAY THE SALE AND IF THE MORTGAGED PROPERTY IS YOUR RESIDENCE AND IS A ONE-FAMILY OR TWO-FAMILY DWELLING, THEN A DEFICIENCY JUDGMENT WILL NOT BE ENTERED AGAINST YOU. IF YOU DO FILE A WRITTEN DEMAND TO DELAY THE SALE, THEN A DEFICIENCY JUDGMENT MAY BE ENTERED AGAINST YOU IF THE PROCEEDS FROM THE SALE OF THE MORTGAGED PROPERTY ARE INSUFFICIENT TO SATISFY THE AMOUNT OF THE MORTGAGE DEBT AND COSTS.   IF THE MORTGAGED PROPERTY IS NOT YOUR RESIDENCE OR IS NOT A ONE-FAMILY OR TWO-FAMILY DWELLING, THEN A DEFICIENCY JUDGMENT MAY BE ENTERED AGAINST YOU WHETHER OR NOT YOU FILE A WRITTEN DEMAND TO DELAY THE SALE.   3. If the election for foreclosure without redemption is made, then sections 654.21 through 654.26 apply.  87 Acts, ch 142, §6; 2013 Acts, ch 30, §195; 2018 Acts, ch 1148, §4  Referred to in §455B.751, 628.1A, 654.1A, 654.5, 654.20A
IA Code § 654.20A (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654 - FORECLOSURE OF REAL ESTATE MORTGAGES|Section 654.20A - Rights reserved.

654.20A Rights reserved.   A mortgage or deed of trust shall not contain the notice under section 654.20.  87 Acts, ch 142, §15
IA Code § 654.21 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654 - FORECLOSURE OF REAL ESTATE MORTGAGES|Section 654.21 - Demand for delay of sale.

654.21 Demand for delay of sale.   At any time prior to entry of judgment, the mortgagor may file a demand for delay of sale. If the demand is filed, the sale shall be held promptly after the expiration of two months from entry of judgment. However, if the demand is filed and the mortgaged property is the residence of the mortgagor and is a one-family or two-family dwelling, the sale shall be held promptly after the expiration of six months, or three months if the petition includes a waiver of deficiency judgment, from entry of judgment. If the demand is filed, the mortgagor and mortgagee subsequently may file a stipulation that the sale may be held promptly after the stipulation is filed and that the mortgagee waives the right to entry of a deficiency judgment. If the stipulation is filed, the sale shall be held promptly after the filing. At any time prior to judgment, the mortgagor may pay the plaintiff the amount claimed in the petition and, if paid, the foreclosure action shall be dismissed. At any time after judgment and before the sale, the mortgagor may pay the plaintiff the amount of the judgment and, if paid, the judgment shall be satisfied of record and the sale shall not be held.  87 Acts, ch 142, §7; 2018 Acts, ch 1148, §5  Referred to in §654.1A, 654.20, 654.26
IA Code § 654.22 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654 - FORECLOSURE OF REAL ESTATE MORTGAGES|Section 654.22 - No demand for delay of sale.

654.22 No demand for delay of sale.   If the mortgagor does not file a demand for delay of sale, the sale shall be held promptly after entry of judgment.  87 Acts, ch 142, §8  Referred to in §654.20
IA Code § 654.23 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654 - FORECLOSURE OF REAL ESTATE MORTGAGES|Section 654.23 - No redemption rights after sale.

654.23 No redemption rights after sale.   The mortgagor has no right to redeem after sale. Junior lienholders have no right to redeem after sale. The mortgagee or a junior lienholder may purchase at the sale and, if so, acquire the same title as would any other purchaser other than the mortgagor. If the mortgagor at the sale bids an amount equal to the judgment, the property shall be sold to the mortgagor even though other persons may bid an amount which is more than the judgment. If the mortgagor purchases at the sale, the liens of junior lienholders shall not be extinguished. If a person other than the mortgagor purchases at the sale, the liens of junior lienholders are extinguished.  87 Acts, ch 142, §9; 2016 Acts, ch 1073, §177  Referred to in §654.20
IA Code § 654.24 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654 - FORECLOSURE OF REAL ESTATE MORTGAGES|Section 654.24 - Deed and possession.

654.24 Deed and possession.   The purchaser at the sale is entitled to an immediate deed and immediate possession.  87 Acts, ch 142, §10  Referred to in §654.20
IA Code § 654.25 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654 - FORECLOSURE OF REAL ESTATE MORTGAGES|Section 654.25 - Application of other statutes.

654.25 Application of other statutes.   If the plaintiff has elected foreclosure without redemption, chapter 628 does not apply. A provision in a mortgage permitted by section 628.26 or 628.27 shall not be construed as an agreement by the mortgagee not to elect foreclosure without redemption. The election may be made in any petition filed on or after June 4, 1987. The election for foreclosure without redemption is not a waiver of the plaintiff’s rights under section 654.6 except as provided in section 654.26.  87 Acts, ch 142, §11  Referred to in §654.20
IA Code § 654.26 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654 - FORECLOSURE OF REAL ESTATE MORTGAGES|Section 654.26 - No deficiency judgment in certain cases.

654.26 No deficiency judgment in certain cases.   If the plaintiff has elected foreclosure without redemption, the plaintiff may include in the petition a waiver of deficiency judgment. If the plaintiff has elected foreclosure without redemption and does not include in the petition a waiver of deficiency judgment, if the mortgaged property is the residence of the mortgagor and is a one-family or two-family dwelling, and if the mortgagor does not file a demand for delay of sale under section 654.21, then the plaintiff shall not be entitled to the entry of a deficiency judgment under section 654.6.  87 Acts, ch 142, §12  Referred to in §654.1A, 654.20, 654.25
IA Code § 654A.1 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654A - FARM MEDIATION — FARMER-CREDITOR DISPUTES|Section 654A.1 - Definitions.

654A.1 Definitions.   As used in this chapter, unless the context otherwise requires:   1. “Agricultural property” means agricultural land that is principally used for farming as defined in section 9H.1, and personal property that is used as security to finance a farm operation or used as part of a farm operation including equipment, crops, livestock, and proceeds of the security.   2. “Coordinator” means the farm assistance program coordinator provided in section 13.13.   3. “Creditor” means the holder of a mortgage on agricultural property, a vendor of a real estate contract for agricultural property, a person with a lien or security interest in agricultural property, or a judgment creditor with a judgment against a debtor with agricultural property.   4. “Farm mediation service” means the organization selected pursuant to section 13.13.   5. “File” means to deliver by the required date by certified mail or another method acknowledging receipt.   6. “Mediation release” means an agreement or statement signed by all parties or by less than all the parties and the mediator pursuant to section 654A.11.   7. “Participate” or “participation” means attending a mediation meeting, and discussing issues, stating a position regarding restructuring, and exchanging information, relating to any of the following: a debt against agricultural property which is real estate under chapter 654; a forfeiture of a contract to purchase agricultural property under chapter 656; a secured interest in agricultural property under chapter 554; or a garnishment, levy, execution, seizure, or attachment of agricultural property; all as referenced in section 654A.6.  86 Acts, ch 1214, §14; 90 Acts, ch 1143, §9, 10  Referred to in §654.2C, 654A.6, 656.8
IA Code § 654A.4 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654A - FARM MEDIATION — FARMER-CREDITOR DISPUTES|Section 654A.4 - Applicability of chapter.

654A.4 Applicability of chapter.   1. This chapter applies to all creditors of a borrower described under subsection 2 with a secured debt against the borrower of twenty thousand dollars or more.   2. This chapter applies to a borrower who is a natural person operating a farm or any corporation, trust, or limited partnership as defined in section 9H.1.  86 Acts, ch 1214, §17; 89 Acts, ch 108, §2
IA Code § 654A.5 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654A - FARM MEDIATION — FARMER-CREDITOR DISPUTES|Section 654A.5 - Voluntary mediation proceedings.

654A.5 Voluntary mediation proceedings.   A borrower who owns agricultural property or a creditor of that borrower may request mediation of the indebtedness by applying to the farm mediation service. The farm mediation service shall make voluntary mediation application forms available. The farm mediation service shall evaluate each request and may direct a mediator to meet with the borrower and creditor to assist in mediation.  86 Acts, ch 1214, §18
IA Code § 654A.6 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654A - FARM MEDIATION — FARMER-CREDITOR DISPUTES|Section 654A.6 - Mandatory mediation proceedings.

654A.6 Mandatory mediation proceedings.   1. a. A creditor subject to this chapter desiring to initiate a proceeding to enforce a debt against agricultural property which is real estate under chapter 654, to forfeit a contract to purchase agricultural property under chapter 656, to enforce a secured interest in agricultural property under chapter 554, or to otherwise garnish, levy on, execute on, seize, or attach agricultural property, shall file a request for mediation with the farm mediation service. The creditor shall not begin the proceeding subject to this chapter until the creditor receives a mediation release, or until the court determines after notice and hearing that the time delay required for the mediation would cause the creditor to suffer irreparable harm. Title to land that is agricultural property is not affected by the failure of any creditor to receive a mediation release regardless of its validity. The time period for the notice of right to cure provided in section 654.2A shall run concurrently with the time period for the mediation period provided in this section and section 654A.10.   b. The requirements of paragraph “a” are jurisdictional prerequisites to a creditor filing a civil action that initiates a proceeding subject to this chapter.   2. Upon the receipt of a request for mediation, the farm mediation service shall conduct an initial consultation with the borrower without charge. The borrower may waive mediation after the initial consultation.   3. Unless the borrower waives mediation, the borrower shall file a list containing at least the name and place of business for each creditor as defined in section 654A.1 or apply for an extension to file the list with the farm mediation service within twenty-one days of the service’s receipt of a request for mediation.  86 Acts, ch 1214, §19; 87 Acts, ch 73, §2; 89 Acts, ch 108, §3; 2000 Acts, ch 1129, §1  Referred to in §654A.1
IA Code § 654A.7 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654A - FARM MEDIATION — FARMER-CREDITOR DISPUTES|Section 654A.7 - Financial analyst and legal assistance.

654A.7 Financial analyst and legal assistance.   1. After receiving a mediation request, the farm mediation service shall refer the borrower to a financial analyst associated with the Iowa state university extension service ASSIST program. The financial analyst shall assist the borrower in the preparation of information relative to the finances of the borrower for the initial mediation meeting.   2. After receiving the mediation request, the farm mediation service shall notify the borrower that legal assistance may be available without charge through the legal assistance for farmers program provided in chapter 13.  86 Acts, ch 1214, §20
IA Code § 654A.8 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654A - FARM MEDIATION — FARMER-CREDITOR DISPUTES|Section 654A.8 - Initial mediation meeting.

654A.8 Initial mediation meeting.   1. Unless the borrower waives mediation, within twenty-one days after receiving a mediation request the farm mediation service shall send a mediation meeting notice to the borrower and to all known creditors of the borrower setting a time and place for an initial mediation meeting between the borrower, the creditors, and a mediator directed by the farm mediation service to assist in mediation. An initial mediation meeting shall be held within twenty-one days of the issuance of the mediation meeting notice.   2. If a creditor subject to this chapter receives a mediation meeting notice under subsection 1, the creditor and the creditor’s successors in interest may not continue proceedings to enforce a debt against agricultural property of the borrower under chapter 654, to forfeit a real estate contract for the purchase of agricultural property of the borrower under chapter 656, to enforce a secured interest in agricultural property under chapter 554, or to otherwise garnish, levy on, execute on, seize, or attach agricultural property. Time periods under and affecting those procedures stop running until the farm mediation service issues a mediation release to the creditor.  86 Acts, ch 1214, §21  Referred to in §654A.12
IA Code § 654A.9 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654A - FARM MEDIATION — FARMER-CREDITOR DISPUTES|Section 654A.9 - Duties of mediator.

654A.9 Duties of mediator.   At the initial mediation meeting and subsequent meetings, the mediator shall:   1. Listen to the borrower and the creditors desiring to be heard.   2. Attempt to mediate between the borrower and the creditors.   3. Advise the borrower and the creditors as to the existence of available assistance programs.   4. Encourage the parties to adjust, refinance, or provide for payment of the debts.   5. Advise, counsel, and assist the borrower and creditors in attempting to arrive at an agreement for the future conduct of financial relations among them.  86 Acts, ch 1214, §22
IA Code § 654A.10 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654A - FARM MEDIATION — FARMER-CREDITOR DISPUTES|Section 654A.10 - Mediation period.

654A.10 Mediation period.   The mediator may call mediation meetings during the mediation period, which is up to forty-two days after the farm mediation service received the mediation request. However, if all parties consent, mediation may continue after the end of the mediation period.  86 Acts, ch 1214, §23  Referred to in §654A.6, 654A.12
IA Code § 654A.12 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654A - FARM MEDIATION — FARMER-CREDITOR DISPUTES|Section 654A.12 - Extension of deadlines.

654A.12 Extension of deadlines.   Upon petition by the borrower and all known creditors, the farm mediation service may, for good cause, extend a deadline imposed by section 654A.8 or section 654A.10 for up to thirty days.  86 Acts, ch 1214, §25
IA Code § 654A.13 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654A - FARM MEDIATION — FARMER-CREDITOR DISPUTES|Section 654A.13 - Confidentiality.

654A.13 Confidentiality.   If mediation is conducted pursuant to this chapter, the confidentiality of all mediation communications is protected as provided in section 679C.108.  86 Acts, ch 1214, §26; 89 Acts, ch 108, §5; 90 Acts, ch 1143, §13, 14; 98 Acts, ch 1062, §11; 2005 Acts, ch 68, §4
IA Code § 654A.16 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654A - FARM MEDIATION — FARMER-CREDITOR DISPUTES|Section 654A.16 - Wetland designation.

654A.16 Wetland designation.   The farm mediation service shall provide for mediation between the department of natural resources and a landowner affected by the preliminary wetland designation provided in section 456B.12. The department shall cease actions relating to inventorying or designating affected land until a mediation release is issued by the farm mediation service. The mediation process shall be conducted according to rules adopted by the attorney general after consultation with the farm mediation service. The rules shall to the extent practical be based on mediation provided under this chapter for borrowers and lenders.  90 Acts, ch 1199, §9  Referred to in §456B.12
IA Code § 654B.1 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654B - FARM MEDIATION — CARE AND FEEDING CONTRACTS — NUISANCES|Section 654B.1 - Definitions.

654B.1 Definitions.   1. “Care and feeding contract” means an agreement, either oral or written, between a farm resident and the owner of livestock, under which the farm resident agrees to act as a feeder by promising to care for and feed the livestock on the farm resident’s premises.   2. “Dispute” means a controversy between a person who is a farm resident and another person, which arises from a claim eligible to be resolved in a civil proceeding in law or equity, if the claim relates to either of the following:   a. The performance of either person under a care and feeding contract, if both persons are parties to the contract.   b. An action of one person which is alleged to be a nuisance interfering with the enjoyment of the other person.   3. “Farmland” means agricultural land that is principally used for farming as defined in section 9H.1.   4. “Farm mediation service” means the organization selected pursuant to section 13.13.   5. “Farm resident” means a person holding an interest in farmland, in fee, under a real estate contract, or under a lease, if the person manages farming operations on the land. A farm resident includes a natural person, or any corporation, trust, or limited partnership as defined in section 9H.1.   6. “Mediation release” means an agreement or statement signed by all parties or by less than all the parties and the mediator pursuant to section 654B.8.   7. “Nuisance” means an action injurious to health, indecent, or offensive to the senses, or an obstruction to the free use of property, so as essentially to interfere with the comfortable enjoyment of life or property, including but not limited to nuisances defined in section 657.2, subsections 1 through 5, and 7.   8. “Other party” means any person having a dispute with a farm resident.   9. “Participate” or “participation” means attending a mediation meeting, and having knowledge about and discussing issues concerning a subject relating to a dispute.  90 Acts, ch 1143, §16
IA Code § 654B.2 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654B - FARM MEDIATION — CARE AND FEEDING CONTRACTS — NUISANCES|Section 654B.2 - Voluntary mediation proceedings.

654B.2 Voluntary mediation proceedings.   A farm resident or other party may request mediation of a dispute by applying to the farm mediation service. The farm mediation service shall make voluntary mediation application forms available. The farm mediation service shall evaluate each request and may direct a mediator to meet with the farm resident and other party to assist in mediation.  90 Acts, ch 1143, §17
IA Code § 654B.3 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654B - FARM MEDIATION — CARE AND FEEDING CONTRACTS — NUISANCES|Section 654B.3 - Mandatory mediation proceedings.

654B.3 Mandatory mediation proceedings.   1. a. A person who is a farm resident, or other party, desiring to initiate a civil proceeding to resolve a dispute, shall file a request for mediation with the farm mediation service. The person shall not begin the proceeding until the person receives a mediation release or until the court determines after notice and hearing that one of the following applies:   (1) The time delay required for the mediation would cause the person to suffer irreparable harm.   (2) The dispute involves a claim which has been brought as a class action.   b. The requirements of paragraph “a” are jurisdictional prerequisites to a person filing a civil action that initiates a civil proceeding to resolve a dispute subject to this chapter.   2. Upon receipt of the request for mediation, the farm mediation service shall conduct an initial consultation with each party to the dispute privately and without charge. Mediation may be waived after the initial consultation, if the parties agree.   3. Unless mediation is waived by the parties to the dispute, the parties shall file with the farm mediation service information required by the service to conduct mediation.  90 Acts, ch 1143, §18; 2000 Acts, ch 1129, §2
IA Code § 654B.4 (2021)
2021 Iowa Code|Title XV - JUDICIAL BRANCH AND JUDICIAL PROCEDURES|Chapter 654B - FARM MEDIATION — CARE AND FEEDING CONTRACTS — NUISANCES|Section 654B.4 - Initial mediation meeting.

654B.4 Initial mediation meeting.   1. Unless both parties to the dispute waive mediation, within twenty-one days after receiving a mediation request, the farm mediation service shall send a mediation meeting notice to all parties to the dispute setting a time and place for an initial mediation meeting between the parties and a mediator directed by the farm mediation service to assist in mediation. An initial mediation meeting shall be held within twenty-one days of the issuance of the mediation meeting notice.   2. If a person receives a mediation meeting notice under this section, the person shall not continue civil proceedings based on a claim relating to a dispute subject to this chapter, unless the court determines after notice and hearing that one of the following applies:   a. The time delay required for the mediation would cause the person to suffer irreparable harm.   b. The dispute involves a claim which has been brought as a class action.   3. At the meeting, a party participating in mediation may be accompanied by counsel or a consultant to assist the party in mediation.  90 Acts, ch 1143, §19; 98 Acts, ch 1122, §2  Referred to in §654B.9