State Debt Laws
Missouri Debt Collection Laws
Garnishment limits, exemptions, and consumer protections specific to Missouri
Missouri (MO) - At a Glance
| State Consumer Protection Law | Missouri Merchandising Practices Act |
| Source | RSMo ยง 407.010 et seq. |
| Covers Original Creditors? | No - third-party collectors only |
| Max Wage Garnishment | 25% of disposable earnings (federal minimum; may be lower) |
| Bank Levy Exemption | $1,250 in bank |
| Homestead Exemption | $15,000 |
Key Protections in Missouri
- FDCPA applies to third-party collectors
- MPA bars deceptive practices in debt collection
- Low homestead exemption
Wage Garnishment in Missouri
After a court judgment, creditors in Missouri can garnish up to 25% of your disposable earnings (earnings after legally required deductions). This is the federal cap - Missouri follows federal law on this limit.
Exempt from garnishment: Federal benefits (Social Security, SSI, VA benefits) cannot be garnished by private creditors regardless of state law.
File a Complaint in Missouri
If a debt collector violates the FDCPA or Missouri Merchandising Practices Act:
- File with the Missouri Attorney General
- File with the CFPB
- Consult a consumer attorney (FDCPA violations = attorney fees paid by collector)