Bankruptcy in St. Charles County

St. Charles County is west of St. Louis across the Missouri River and is one of the fastest-growing counties in the metro area. Includes the cities of St. Charles, O'Fallon, and St. Peters.

Key Information

Federal District

Eastern District of Missouri (St. Louis Division)

All bankruptcy cases from St. Charles County are filed in this district.

Nearest Courthouse

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

341 meetings and court hearings are typically held at this location.

Missouri Exemptions in St. Charles County

Missouri state exemptions apply. Homestead: $15,000. Vehicle: $3,000. Household goods: $3,000. Wildcard: $600 plus up to $3,250 unused homestead. Wages: 75% exempt (90% head of household). Retirement accounts: fully exempt.

Exemptions determine what property you can keep in bankruptcy. See the full exemptions guide.

Filing Bankruptcy in St. Charles County

The Process

Credit counseling -- Complete an approved course within 180 days before filing ($15-25).
File your petition -- The petition is filed with the Eastern District of Missouri (St. Louis Division). The automatic stay takes effect immediately.
341 meeting -- About 30 days after filing, attend a brief meeting of creditors at 111 S 10th St, St. Louis, MO 63102.
Debtor education -- Complete a second financial course before discharge ($10-25).
Discharge -- Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing 3-5 year plan.

Frequently Asked Questions

Which court handles St. Charles County bankruptcies?

St. Charles County cases are filed in the Eastern District of Missouri, St. Louis Division, at 111 S 10th St, St. Louis, MO 63102. Despite being a separate county west of the Missouri River, it falls in the same federal district as St. Louis City and County.

Is St. Charles County in the same bankruptcy district as St. Louis?

Yes. St. Charles County is part of the Eastern District of Missouri, the same district as St. Louis City and St. Louis County. Your case will be handled at the St. Louis courthouse and assigned to the same pool of bankruptcy judges.

What are typical attorney fees in St. Charles County?

Attorney fees in the St. Louis metro area typically range from $1,000-$1,800 for Chapter 7 and $2,500-$4,000 for Chapter 13. Fees are generally similar across St. Charles, St. Louis County, and the City. Chapter 13 attorney fees are subject to court approval.