$70 or hiring a good lawyer ... Seems like $70 is a better investment with a 100% guarantee success rate
Some people like to make decisions with their wallets. Others like to make decisions on their principles.
Do you really think creditors want an Iowa Court setting new legal percent on how they operate in the state of Iowa? - A challenge would likely be settled long before it came to that.
To be clear, I continue to refer to the automated "parking ticket" variety of traffic fine with this argument. If you got pulled over by a trooper and didn't pay that fine, that is a 100% different situation and the state WILL issue that judgement.