US-IA / v2026.06.26
Iowa lien timeline
- Late fee
- Safe Harbor at D+5
- Notice path
- Notice of Default at D+7, then Notice of Sale at D+21
- Sale gate
- Auction eligible at D+30 after the 7-day sale lead
Email notice requires the seeded paper-fallback evidence path before lien advance.
The full day-by-day timeline — every transition, delivery rule, and citation from first notice to auction — runs live in the product, and every case pins the version in force the day it opened.
See the Iowa clock in the live demo