MO Bankruptcy Exemptions
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FEDERAL BANKRUPTCY EXEMPTIONS ARE NOT AVAILABLE
All Bankruptcy law references are to Annotated Missouri Code unless otherwise noted. |
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ASSET |
EXEMPTION |
LAW PROVISION |
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HOMESTEAD
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Real property to $15,000 or mobile home to $5,000 (joint owners may not double)
Property held as tenancy for the entirety may be exempt against debts owed by only one spouse |
513.430(6), 513.475
In re Anderson, 12 B.R. 483
(W.D. Mo. 1981) |
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INSURANCE |
Assessment or insurance premium proceeds
Disability or illness benefits
Fraternal benefit society benefits to $5000, bought over 6 months before filing
Life insurance dividends, loan value or interest to $5000, bought over 6 months before filing
Life insurance proceeds if policy owned by woman & insures her husband
Life insurance proceeds if policy owned by unmarried woman and insures her father or brother
Stipulated insurance premiums
Unmatured life insurance policy |
377.090
513.430(10)(c)
513.430(8)
513.430(8)
376.530
376.550
377.330
513.430(7) |
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MISCELLANEOUS |
Alimony, child support to $750 per month
Property of business partnership |
513.430(10(d)
358.250 |
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PENSIONS |
Employees of cities with 100,000 or more people
ERISA-qualified benefits needed for support (only payments being received)
Firefighters
Highway & transportation employees
Police Department employees
State employees
Teachers |
71.207
513.430(10)(e)
87.090, 87.365, 87.485
104.250
86.190, 86.353, 86.493, 86.780
104.540
169.090 |
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PERSONAL PROPERTY |
Appliances, household goods, furnishings, clothing, books, crops, animals & musical instruments to $3,000
Burial grounds to 1 acre or $100
Health aids
Jewelry to $500; Wedding Ring to $1,500
Motor vehicle to $3,000
Personal injury causes of action
Wrongful death recoveries for person debtor depended on |
513.430(1)
214.190
513.430(9)
513.430(2)
513.430(5)
In re Mitchell, 73 B.R. 93
(E.D. Mo. 1987)
513.430(11) |
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PUBLIC BENEFITS |
AFDC
Social security
Unemployment compensation
Veterans’ benefits
Workers’ compensation |
513.430(10(a)
513.430(10)(a)
288.380(10(l), 53.430(10)(c)
513.430(10(b)
287.260 |
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TOOLS OF TRADE |
Implements, books & tools of trade to $3,000 |
513.430(4) |
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WAGES |
Minimum 75% of earned but unpaid wages (90% for head of family); bankruptcy judge may authorize more for low-income debtors
Wages of servant or common laborer to $90 |
525.030
513.470 |
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WILD CARD |
$1,250 of any property if head of family; head of family may claim an additional $350 per child |
513.430(3), 513.440 |
Missouri Bankruptcy Courts
See the list below for Bankruptcy Courts by District. Click on the District link to go directly to that Bankruptcy Court's web site.
| BANKRUPTCY COURTS |
NUMBER OF COPIES |
Eastern District
One Metropolitan Square
Bld. 211 N. Broadway, 7th Floor
St. Louis, MO 63102-2734
Telephone: (866) 803-9517
|
contact clerks office |
Western District
913 U.S. Courthouse
811 Grand Avenue
Kansas City, MO 64106
Telephone: (816) 426-3321
|
contact clerks office
|
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