St. Charles is the county seat of St. Charles County and one of the oldest cities on the Missouri River. Located about 30 miles west of downtown St. Louis, it is a rapidly growing suburban community.
Missouri state exemptions apply. Homestead: $15,000. Vehicle: $3,000. Household goods: $3,000. Wildcard: $600 plus up to $3,250 of unused homestead. Wages: 75% exempt (90% for head of household). Retirement: fully exempt. Missouri does not allow federal exemptions.
Exemptions determine what property you can keep in bankruptcy. See the full exemptions guide.
These organizations may offer free or low-cost assistance. Contact them directly to verify current services and eligibility requirements.
St. Charles residents file in the Eastern District of Missouri at the Thomas F. Eagleton U.S. Courthouse, 111 S 10th St, St. Louis, MO 63102. The drive from St. Charles is approximately 35-40 minutes east on I-70.
Missouri's homestead exemption is only $15,000 -- one of the lowest in the nation. Given higher home values in St. Charles, many homeowners have equity exceeding this amount. Chapter 13 may be the better option to protect your home.
Missouri's vehicle exemption is $3,000. If your car equity is under $3,000, you can keep it in Chapter 7. For vehicles worth more, you may use the wildcard exemption ($600 plus up to $3,250 unused homestead) to protect additional equity.
Use the free 1328(f) screener to check whether a prior discharge affects your eligibility.
Free Discharge Screener