Missouri Bankruptcy Exemptions

Homestead (consists of house and land used therewith)

$15,000

Mo. Rev. Stat. § 513.475

Motor vehicles

$3,000 aggregate

Mo. Rev. Stat. § 513.430.1(5)

Choice of any other property whatsoever except 10% of any debt, income, salary or wages

$1,250 plus $350 per dependent minor child or disabled person (applies only to head of family)

Mo. Rev. Stat. § 513.440

Any property of debtor

$600

Mo. Rev. Stat. § 513.430.1(3)

Net earnings after deduction required by law (includes wages, salary, commissions, bonuses, pensions and retirement payments)

For head of family - 90% OR 30 times the federal minimum hourly wage per, week whichever is greater. For any other person - 75% OR 30 times the federal minimum hourly wage per week, whichever is greater.

Mo. Rev. Stat. § 525.030(2)

Unliquidated personal injury claims, state and fed. tax refunds

100% (but see In re Mahony, 374 BR 717 (Bank. W. D. Mo. 2007)

Mo. Rev. Stat. §513.427

Life insurance benefits under assessment or stipulated premium plans

100%

Mo. Rev. Stat. § 377.090, 377.330

Dividends, interest, or loan values of unmatured life insurance contracts more than 1 year old insuring debtor or person of whom debtor is a dependent

$150,000

Mo. Rev. Stat. § 513.430.1(8)

Unmatured life insurance contracts, except credit life

100%

Mo. Rev. Stat. § 513.430.1(7)

Personal household furnishings & goods, wearing apparel, books, animals, crops, and musical instruments of debtor and dependents

$3,000

Mo. Rev. Stat. 513.430.1(1)

Burial lots

100%

Mo. Rev. Stat. § 214.190

Payments on account of the wrongful death of a person of whom the debtor was a dependent

Amount reasonably necessary to support debtor & dependents

Mo. Rev. Stat. § 513.430.1(11)

Health aids of debtor or dependents

100%

Mo. Rev. Stat. § 513.430.1(9)

Personal, family or household jewelry of debtor or dependents

$500 and $1,500 for wedding ring

Mo. Rev. Stat. § 513.430.1(2)

Retirement benefits-administrative judges & legal advisors

100%

Mo. Rev. Stat. § 287.820

Police relief and pension benefits

100%

Mo. Rev. Stat. § 86.190, 86.353, & 86.563

Retirement benefits-special consultants on retirement, aging

100%

Mo. Rev. Stat. § 104.610

Teacher and school employee retirement benefits

100%

Mo. Rev. Stat. § 169.090, 169.380, 169.520 & 169.587

Police department civilian employees' retirement benefits

100% (support claims excepted)

Mo. Rev. Stat. § 86.1430

Money or assets payable from, or an interest in, a retirement plan or IRA that is qualified under the I.R.C.

100%, except that fraudulent contributions and contributions made within 3 years of the date of filing are not exempt.

Mo. Rev. Stat. § 513.430.1(10)(f)

State employees' retirement benefits

100%

Mo. Rev. Stat. § 104.540

Payments under a stock-bonus, pension, profit-sharing, nonpublic retirement, annuity, or similar plan or contract, including debtor’s rights in deferred compensation programs offered by state or political subdivision thereof. ERISA plans included.

Amount reasonably necessary to support debtor & dependents (Payments under certain nonqualified plans are not exempt)

Mo. Rev. Stat. § 513.430.1(10)(e)

City employees' retirement benefits

100%

Mo. Rev. Stat. § 71.207

Local government employees' pension and retirement benefits

100%

Mo. Rev. Stat. § 70.695

Highway patrol and employees' retirement benefits

100%

Mo. Rev. Stat. § 104.250

Firemen's retirement & relief benefits

100%

Mo. Rev. Stat. § 87.090, 87.365 & 87.485

Implements, books or tools of trade of debtor or dependent

$3,000

Mo. Rev. Stat. § 513.430.1(4)

Workmen's compensation benefits

100%

Mo. Rev. Stat. § 287.260

Social Security benefits, unemployment, compensation, public assistance benefits, veterans' benefits, and disability, illness or unemployment benefits

100%

Mo. Rev. Stat. § 513.430.1(10)(a), (b), ©

Tenants by entireties

100%

Mo. Rev. Stat. § 513.427 & 513.475(2)

Specific partnership property

100% of partner's interest

Mo. Rev. Stat. § 358.250

Financial responsibility deposits with state treasurer

100%

Mo. Rev. Stat. § 303.240(2)

Alimony, support or separate maintenance

$750 per month

Mo. Rev. Stat. § 513.430.1(10)(d)

Mobile home used as principal residence

$5,000

Mo. Rev. Stat. § 513.430.1(6)

Surviving Spouse of Judge--special consultant compensation

100%

Mo. Rev. Stat. § 476.539