Section 654A.4 - Applicability of chapter1. This chapter applies to all creditors of a borrower described under subsection 2 with a secured debt against the borrower of twenty thousand dollars or more.2. This chapter applies to a borrower who is a natural person operating a farm or any corporation, trust, or limited partnership as defined in section 9H.1.86 Acts, ch 1214, §17; 89 Acts, ch 108, §2