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Bankruptcy in Missouri: Exemptions and Filing Guide

State-specific bankruptcy exemptions and filing information for Missouri. These exemptions determine what property you can keep when filing Chapter 7 bankruptcy.

Data last updated: Jan 15, 2025

Key Takeaways

  • Homestead exemption: $15,000.
  • Vehicle exemption: $3,000.
  • Must use state exemptions (no federal option).
  • Attorney fees: $1,000–$1,800 (Ch. 7) / $2,500–$4,000 (Ch. 13) typical.
$15,000 Homestead exemption
$3,000 Vehicle exemption
No Federal option
$338 (Chapter 7) / $313 (Chapter 13) Filing fee

Missouri Bankruptcy Exemptions

  • Homestead$15,000
  • Vehicle$3,000
  • Personal property$1,000 household goods; $500 jewelry
  • Wildcard$600 plus $1,250 unused homestead (head of family)
  • Federal exemptionsNot available

Means Test: Missouri Median Income

To qualify for Chapter 7 in Missouri, your income must be below the state median or you must pass the means test showing no disposable income for creditors.

  • 1 person$55,200
  • 2 people$68,400
  • 3 people$79,200
  • 4 people$92,800

Filing Costs

  • Court filing fee$338 (Chapter 7) / $313 (Chapter 13)
  • Typical attorney fee$1,000–$1,800 (Ch. 7) / $2,500–$4,000 (Ch. 13)
  • Court districtsEastern and Western Districts of Missouri

Missouri bankruptcy court

Related Resources

Frequently Asked Questions

  • What is Missouri's homestead exemption?

    Missouri provides a $15,000 homestead exemption for your primary residence.

  • Can I choose federal exemptions in Missouri?

    No. Missouri requires the use of state exemptions.

  • What is the vehicle exemption in Missouri?

    Missouri allows a $3,000 exemption for one motor vehicle.

  • Are retirement accounts protected in Missouri?

    Yes. ERISA-qualified plans, IRAs, and public pensions are generally protected from creditors in Missouri bankruptcy.

Legal Disclaimer: FreeNetLaw provides general legal information, not legal advice. The information on this site is not a substitute for consultation with a licensed attorney. Laws vary by jurisdiction and change frequently. Always verify information with official sources and consult a qualified attorney for advice about your specific situation.

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