756 N.W.2d 480 (2008)
FIA CARD SERVICES N.A.
No. 07-1631.
FIA CARD SERVICES N.A.
v.
HELMER.
No. 07-1631.
Court of Appeals of Iowa.
July 30, 2008.Decision without published opinion. Reversed and Remanded with Directions.
Court of Appeals of Iowa.
July 30, 2008.Decision without published opinion. Reversed and Remanded with Directions.