753 N.W.2d 18 (2008)
FIA CARD SERVICES, N.A.
No. 07-1513.
FIA CARD SERVICES, N.A.
v.
RICHARDS.
No. 07-1513.
Court of Appeals Iowa.
May 29, 2008.Decision without published opinion. Affirmed.
Court of Appeals Iowa.
May 29, 2008.Decision without published opinion. Affirmed.