How long does bankruptcy take in St. Louis?

Chapter 7 typically takes 3-4 months from filing to discharge. Chapter 13 requires completing a 3-5 year repayment plan before receiving a discharge. The 341 meeting of creditors usually happens about 30 days after filing.

Considering Bankruptcy in St. Louis?

You are not alone. Over 58,254 St. Louis area residents have filed for bankruptcy since 2008. This free guide will help you understand your options, know what to expect, and make informed decisions.

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Chapter 7 vs. Chapter 13: Which Is Right for You?

Chapter 7 -- Fresh Start

Chapter 7 eliminates most unsecured debts (credit cards, medical bills, personal loans) in about 3-4 months. You must pass a means test based on your income.

Discharge in 3-4 months
Eliminates credit cards, medical debt
Must pass the means test
May lose non-exempt property
Filing fee: $338

Learn more about Chapter 7 →

Chapter 13 -- Payment Plan

Chapter 13 lets you keep your property while repaying debts over 3-5 years. Good for saving a home from foreclosure or a car from repossession. No means test required.

3-5 year repayment plan
Keep your home and car
Catch up on missed payments
No means test requirement
Filing fee: $313

Learn more about Chapter 13 →

Not sure which chapter fits? Compare them in detail.

Eastern District of Missouri at a Glance

Understanding local court data can help you make more informed decisions about filing bankruptcy in St. Louis.

E.D. Mo. Dismissal Rate

61.9% dismissed

Out of 58,254 Chapter 13 cases filed between 2008 and 2024, 61.9% were dismissed before plan completion. Only 38.1% achieved a successful discharge.

Courthouse: 111 S 10th St, St. Louis, MO 63102

Key Metrics

41.3%

Prior filer rate -- 41.3% of filers had a previous bankruptcy case. Pro se rate: 2.8%. Estimated 1328(f) violations: 2,393.

View full statistics →

What to Expect When Filing

The Process at a Glance

Credit counseling -- You must complete a credit counseling course within 180 days before filing. Cost: about $15-25.
File your petition -- Your attorney files the petition, schedules, and statements with the court. The automatic stay takes effect immediately, stopping collections, garnishments, and foreclosures.
341 meeting -- About 30 days after filing, you attend a brief meeting of creditors. The trustee asks questions under oath. Most last 5-10 minutes.
Debtor education course -- You must complete a second financial education course before discharge. Cost: about $10-25.
Discharge -- Chapter 7: about 60 days after the 341 meeting. Chapter 13: after completing your 3-5 year plan.

Detailed timeline and what to expect →

How Much Does Bankruptcy Cost?

The total cost depends on the chapter you file and your specific situation:

Chapter 7 filing fee: $338 (can request installment payments)
Chapter 13 filing fee: $313 (can be paid through your plan)
Attorney fees: Typically $1,000 - $2,000 for Chapter 7; $2,500 - $4,000 for Chapter 13 in St. Louis
Credit counseling: $15-25 per course (two required)

Fee waivers are available for Chapter 7 filers whose income is below 150% of the federal poverty guidelines.

Full cost breakdown → | National cost guide

Frequently Asked Questions

How much does bankruptcy cost in St. Louis?

Chapter 7 filing fees are $338 and Chapter 13 filing fees are $313. Attorney fees in St. Louis typically range from $1,000 - $2,000 for Chapter 7 and $2,500 - $4,000 for Chapter 13. Full cost breakdown.

Will I lose my house if I file bankruptcy in Missouri?

Missouri's homestead exemption protects up to $15,000 of equity in your home. In Chapter 13, you can keep your home while catching up on missed payments. See all exemptions.

Can I keep my car if I file bankruptcy?

Missouri allows a vehicle exemption of $3,000. If your car equity is below that amount, you can keep it in Chapter 7. In Chapter 13, you can keep your car and catch up on payments. Learn about exemptions.

How long does bankruptcy take?

Chapter 7 typically takes 3-4 months from filing to discharge. Chapter 13 requires completing a 3-5 year repayment plan. The 341 meeting of creditors usually happens about 30 days after filing. Full timeline.

Should I file Chapter 7 or Chapter 13?

Chapter 7 eliminates most unsecured debt quickly but requires passing a means test. Chapter 13 allows you to keep property while repaying debts over 3-5 years. Compare chapters.

See all frequently asked questions →