Idaho Judgment Enforcement Guide | Debt Collection & Skip Tracing

Idaho Judgment Enforcement — Quick Facts

5 yrs

Judgment Lifespan

5 yrs

Debt SOL (Written)

Post-Judgment Interest

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COMMUNITY PROPERTY STATE

Idaho is a community property state, so a judgment against one spouse may reach jointly-owned marital assets. The 5-year judgment lien is shorter than many states and must be renewed promptly. Post-judgment interest at 5% is relatively low. Wage garnishment is available with standard protections.

Idaho Statute of Limitations on Debt

Debt Type	Limitation Period	Statute
Written Contract	5 years	`Idaho Code §5-216`
Open Account / Credit Card	4 years	`Idaho Code §5-217`
Oral Contract	4 years	`Idaho Code §5-217`
Promissory Note	5 years	`Idaho Code §5-216`
Judgment Lien	5 years (renewable)	`Idaho Code §10-1110`

Idaho’s 5-year SOL for written contracts runs from the date of default. Community property rules can extend reach to joint marital assets.

Post-Judgment Interest Rate

Idaho post-judgment interest accrues at 5% per annum or the rate specified in the underlying contract, whichever is greater, under Idaho Code §28-22-104.

Judgment Recovery Methods in Idaho

Wage Garnishment yes

Idaho permits wage garnishment of 25% of disposable earnings or the amount over 30× federal minimum wage per week, whichever is less (Idaho Code §11-207).

Bank Account Levy yes

Bank account garnishment is available under Idaho Code §8-506. Garnishment summons is served on the financial institution after judgment.

Abstract of Judgment / Lien yes

Docketing a judgment in the county where real property is located creates a lien (Idaho Code §10-1110). Lien lasts 5 years and may be renewed for 5-year terms.

Turnover Order yes

Idaho courts may issue supplemental orders requiring debtors to turn over non-exempt property or assign rights in property (Idaho Code §11-101).

Writ of Execution yes

Writs of execution allow the sheriff to levy on non-exempt personal property and sell it to satisfy the judgment (Idaho Code §11-101).

Vehicle Levy yes

Idaho exempts one motor vehicle up to $7,000 in equity per Idaho Code §11-605. Additional vehicles or equity above the cap may be levied.

Debtor Exemptions

Asset Type	Exemption Amount	Statute
Homestead	$175,000	`Idaho Code §55-1003`
Motor Vehicle	$7,000 equity	`Idaho Code §11-605`
Wages	75% of disposable earnings	`Idaho Code §11-207`
Personal Property	$800 per item up to $10,000 total	`Idaho Code §11-605`
Retirement	All ERISA-qualified plans	`Idaho Code §55-1011`

Judgment Value Calculator

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Official Idaho Resources

Idaho iCourt – Case SearchStatewide civil case lookup Idaho SOS – Business Entity SearchEntity & registered agent search Idaho County Recorders – Property RecordsReal property & lien filings Idaho Legislature – StatutesOfficial Idaho code search

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Disclaimer: This page is for informational purposes only and does not constitute legal advice. Statutes change — verify current law with a licensed Idaho attorney before taking collection action.