Mo. Rev. Stat. » Chapter 513

Mo. Rev. Stat. § 513.430

Property exempt from attachment

Find cases: SyfertCases citing this section MO-REVrevisor.mo.gov Justiaon Justia CornellLII Search CasesGoogle Scholar

  513.430.  Property exempt from attachment — construction of section. — 1.  The following property shall be exempt from attachment and execution to the extent of any person's interest therein:

  (1)  Household furnishings, household goods, wearing apparel, appliances, books, animals, crops or musical instruments that are held primarily for personal, family or household use of such person or a dependent of such person, not to exceed three thousand dollars in value in the aggregate;

  (2)  A wedding ring not to exceed one thousand five hundred dollars in value and other jewelry held primarily for the personal, family or household use of such person or a dependent of such person, not to exceed five hundred dollars in value in the aggregate;

  (3)  Any other property of any kind, not to exceed in value six hundred dollars in the aggregate;

  (4)  Any implements or professional books or tools of the trade of such person or the trade of a dependent of such person not to exceed three thousand dollars in value in the aggregate;

  (5)  Any motor vehicles, not to exceed three thousand dollars in value in the aggregate;

  (6)  Any mobile home used as the principal residence but not attached to real property in which the debtor has a fee interest, not to exceed five thousand dollars in value;

  (7)  Any one or more unmatured life insurance contracts owned by such person, other than a credit life insurance contract, and up to fifteen thousand dollars of any matured life insurance proceeds for actual funeral, cremation, or burial expenses where the deceased is the spouse, child, or parent of the beneficiary;

  (8)  The amount of any accrued dividend or interest under, or loan value of, any one or more unmatured life insurance contracts owned by such person under which the insured is such person or an individual of whom such person is a dependent; provided, however, that if proceedings under Title 11 of the United States Code are commenced by or against such person, the amount exempt in such proceedings shall not exceed in value one hundred fifty thousand dollars in the aggregate less any amount of property of such person transferred by the life insurance company or fraternal benefit society to itself in good faith if such transfer is to pay a premium or to carry out a nonforfeiture insurance option and is required to be so transferred automatically under a life insurance contract with such company or society that was entered into before commencement of such proceedings.  No amount of any accrued dividend or interest under, or loan value of, any such life insurance contracts shall be exempt from any claim for child support.  Notwithstanding anything to the contrary, no such amount shall be exempt in such proceedings under any such insurance contract which was purchased by such person within one year prior to the commencement of such proceedings;

  (9)  Professionally prescribed health aids for such person or a dependent of such person;

  (10)  Such person's right to receive:

  (a)  A Social Security benefit, unemployment compensation or a public assistance benefit;

  (b)  A veteran's benefit;

  (c)  A disability, illness or unemployment benefit;

  (d)  Alimony, support or separate maintenance, not to exceed seven hundred fifty dollars a month;

  (e)  a.  Any payment under a stock bonus plan, pension plan, disability or death benefit plan, profit-sharing plan, nonpublic retirement plan or any plan described, defined, or established pursuant to section 456.014, the person's right to a participant account in any deferred compensation program offered by the state of Missouri or any of its political subdivisions, or annuity or similar plan or contract on account of illness, disability, death, age or length of service, to the extent reasonably necessary for the support of such person and any dependent of such person unless:

  (i)  Such plan or contract was established by or under the auspices of an insider that employed such person at the time such person's rights under such plan or contract arose;

  (ii)  Such payment is on account of age or length of service; and

  (iii)  Such plan or contract does not qualify under Section 401(a), 403(a), 403(b), 408, 408A or 409 of the Internal Revenue Code of 1986, as amended, (26 U.S.C. Section 401(a), 403(a), 403(b), 408, 408A or 409).

  b.  Notwithstanding the exemption provided in subparagraph a. of this paragraph, any such payment to any person shall be subject to attachment or execution pursuant to a qualified domestic relations order, as defined by Section 414(p) of the Internal Revenue Code of 1986 (26 U.S.C. Section 414(p)), as amended, issued by a court in any proceeding for dissolution of marriage or legal separation or a proceeding for disposition of property following dissolution of marriage by a court which lacked personal jurisdiction over the absent spouse or lacked jurisdiction to dispose of marital property at the time of the original judgment of dissolution;

  (f)  Any money or assets, payable to a participant or beneficiary from, or any interest of any participant or beneficiary in, a retirement plan, profit-sharing plan, health savings plan, or similar plan, including an inherited account or plan, that is qualified under Section 401(a), 403(a), 403(b), 408, 408A or 409 of the Internal Revenue Code of 1986 (26 U.S.C. Section 401(a), 403(a), 403(b), 408, 408A, or 409), as amended, whether such participant's or beneficiary's interest arises by inheritance, designation, appointment, or otherwise, except as provided in this paragraph.  Any plan or arrangement described in this paragraph shall not be exempt from the claim of an alternate payee under a qualified domestic relations order; however, the interest of any and all alternate payees under a qualified domestic relations order shall be exempt from any and all claims of any creditor, other than the state of Missouri through its department of social services.  As used in this paragraph, the terms "alternate payee" and "qualified domestic relations order" have the meaning given to them in Section 414(p) of the Internal Revenue Code of 1986 (26 U.S.C. Section 414(p)), as amended. If proceedings under Title 11 of the United States Code are commenced by or against such person, no amount of funds shall be exempt in such proceedings under any such plan, contract, or trust which is fraudulent as defined in subsection 2 of section 428.024 and for the period such person participated within three years prior to the commencement of such proceedings.  For the purposes of this section, when the fraudulently conveyed funds are recovered and after, such funds shall be deducted and then treated as though the funds had never been contributed to the plan, contract, or trust;

  (11)  The debtor's right to receive, or property that is traceable to, a payment on account of the wrongful death of an individual of whom the debtor was a dependent, to the extent reasonably necessary for the support of the debtor and any dependent of the debtor;

  (12)  Firearms, firearm accessories, and ammunition, not to exceed one thousand five hundred dollars in value in the aggregate;

  (13)  Any moneys accruing to and deposited in individual savings accounts or individual deposit accounts under sections 166.400 to 166.456 or sections 166.500 to 166.529, subject to the following provisions:

  (a)  This subdivision shall apply to any proceeding that:

  a.  Is filed on or after January 1, 2022; or

  b.  Was filed before January 1, 2022, and is pending or on appeal after January 1, 2022;

  (b)  Except as provided by paragraph (c) of this subdivision, if the designated beneficiary of an individual savings account or individual deposit account established under sections 166.400 to 166.456 or sections 166.500 to 166.529 is a lineal descendant of the account owner, all moneys in the account shall be exempt from any claims of creditors of the account owner or designated beneficiary;

  (c)  The provisions of paragraph (b) of this subdivision shall not apply to:

  a.  Claims of any creditor of an account owner as to amounts contributed within a two-year period preceding the date of the filing of a bankruptcy petition under 11 U.S.C. Section 101 et seq., as amended; or

  b.  Claims of any creditor of an account owner as to amounts contributed within a one-year period preceding an execution on judgment for such claims against the account owner.

  2.  Nothing in this section shall be interpreted to exempt from attachment or execution for a valid judicial or administrative order for the payment of child support or maintenance any money or assets, payable to a participant or beneficiary from, or any interest of any participant or beneficiary in, a retirement plan which is qualified pursuant to Sections 408 and 408A of the Internal Revenue Code of 1986 (26 U.S.C. Sections 408 and 408A), as amended.

­­--------

(RSMo 1939 § 1323, A.L. 1982 S.B. 490, A.L. 1992 S.B. 447, A.L. 1999 H.B. 857, A.L. 2000 H.B. 1808, A.L. 2001 H.B. 738 merged with S.B. 186, A.L. 2003 S.B. 552, A.L. 2004 H.B. 959 merged with S.B. 1211, A.L. 2012 H.B. 1527 merged with S.B. 628, A.L. 2013 H.B. 329 merged with H.B. 374 & 434 merged with S.B. 100, A.L. 2014 H.B. 1299 Revision, A.L. 2015 S.B. 164, A.L. 2016 H.B. 1765 merged with S.B. 578, A.L. 2019 H.B. 397, A.L. 2022 S.B. 718)

Prior revisions: 1929 § 1159; 1919 § 1610; 1909 § 2179

(1992)  Where statute permits exemption of pension plan benefits of the debtor from the bankruptcy estate, the federal Employee Retirement Income Security Act (ERISA) does not preempt state law.  In re Vickers, 954 F.2d 1426 (8th Cir.).

Notes of Decisions
Cited in 123 cases (5 in the last 5 years), 1969–2026 · leading case: In Re Gaines
Sort: Relevance Newest Treatment
In Re Gaines (1989) mowb · cites it 25× “427 is merely reinforcement of the Missouri opt-out from the Federal Bankruptcy exemptions and thus adds nothing to Mo.Rev.Stat. § 513.430. With respect to the interest in the pension plan, Debtors’ position is that the provisions of Mo.”
In Re Goertz (1996) mowb · cites it 11× “00 representing an earned income credit, which debtor claimed exempt under Mo.Rev.Stat. § 513.430(10)(a) as a “local public assistance benefit.”
In Re Moss (2001) mowb · cites it 13× “The Trustee is correct in regard to § 513.430(1), (9) and (10), and § 513.440.”
In Re Shelby (1999) mowb · cites it 13× “1 The Trustee further argues that Mo.Rev.Stat. § 513.430 places a dollar limitation on the value of personal property a debtor may claim as exempt and that under Missouri exemption statutes a debtor may not exempt items of personal property in excess of that valuation limit.”
In Re McCollum (2002) moeb · cites it 12× “§ 513.430(10) and § 513.430(11) distinguish between an exemption for a “right to receive” (§ 513.”
Gaines v. Nelson (In Re Gaines) (1990) mowd · cites it 11× “427 did not provide exemptions which were not otherwise contained in § 513.430; that the phrase “under federal law” as used in § 513.”
In Re Selfe (2001) moeb · cites it 24× “§ 513.430(10). The Trustee filed an objection to Debtor’s amended claim of exemption on the basis that the FEGLI Proceeds are not the type of benefit plan or payment contemplated by R.”
In Re Sanders (1987) moeb · cites it 6× “Specifically, Section 513.430 of that Chapter contains an extensive list of exemptions and no reference is made to the state’s garnishment statute.”
State ex rel. Nixon v. Mahmud (1999) moctapp · cites it 23× “Mah-mud’s assets were exempt from reimburse *719 ment under section 513.430(10X0, RSMo 1994, and in ordering it to pay the cost of the proceedings.”
In Re Collett (2000) mowb · cites it 9× “Section 513.430(10)(2) provides, in pertinent part: Property exempt from attachment— .”
In Re White (2002) moeb · cites it 12× “White claimed a mobile home exemption under section 513.430(6) R.S.Mo. in the amount of $1,000.”
In Re Guentert (1997) mowb · cites it 5× “30 Some proceeds are exempt under section 513.430 of Missouri’s Revised Statutes with certain limitations: The following property shall be exempt from attachment and execution to the extent of any person’s interest therein: (10) Such person’s right to receive: (e) Any payment…”
Show all 123 citing cases →
— Mo. Rev. Stat. § 513.430(1) — 9 cases
In Re Moss (2001) mowb “The Trustee is correct in regard to § 513.430(1), (9) and (10), and § 513.440.”
In Re Oglesby (1989) moeb
In Re Gray (1988) mowb
Eakes v. Farmers Home Administration (In Re Eakes) (1987) mowb
In Re Shelby (1999) mowb “1 The Trustee further argues that Mo.Rev.Stat. § 513.430 places a dollar limitation on the value of personal property a debtor may claim as exempt and that under Missouri exemption statutes a debtor may not exempt items of personal property in excess of that valuation limit.”
— Mo. Rev. Stat. § 513.430(1)(10)(e)(c) — 1 case
Gladwell v. Reinhart (2011) utah
— Mo. Rev. Stat. § 513.430(10) — 7 cases
In Re Moss (2001) mowb “The Trustee is correct in regard to § 513.430(1), (9) and (10), and § 513.440.”
In Re McCollum (2002) moeb “§ 513.430(10) and § 513.430(11) distinguish between an exemption for a “right to receive” (§ 513.”
State ex rel. Nixon v. Mahmud (1999) moctapp “Mah-mud’s assets were exempt from reimburse *719 ment under section 513.430(10X0, RSMo 1994, and in ordering it to pay the cost of the proceedings.”
In Re Smith (1992) moeb
In Re Coffman (1991) mowb
— Mo. Rev. Stat. § 513.430(10)(2) — 1 case
In Re Collett (2000) mowb “Section 513.430(10)(2) provides, in pertinent part: Property exempt from attachment— .”
— Mo. Rev. Stat. § 513.430(10)(a) — 6 cases
In Re Goertz (1996) mowb “00 representing an earned income credit, which debtor claimed exempt under Mo.Rev.Stat. § 513.430(10)(a) as a “local public assistance benefit.”
Hatfield v. Cristopher (1992) moctapp
Matter of Antal (1988) mowb
Fraser v. Deppe (1989) moctapp
Collins, Webster & Rouse v. Coleman (1989) moctapp
— Mo. Rev. Stat. § 513.430(10)(c) — 2 cases
In Re Williams (1988) mowb
In Re Walters (1994) mowb
— Mo. Rev. Stat. § 513.430(10)(e) — 30 cases
In Re Gaines (1989) mowb “427 is merely reinforcement of the Missouri opt-out from the Federal Bankruptcy exemptions and thus adds nothing to Mo.Rev.Stat. § 513.430. With respect to the interest in the pension plan, Debtors’ position is that the provisions of Mo.”
Gaines v. Nelson (In Re Gaines) (1990) mowd “427 did not provide exemptions which were not otherwise contained in § 513.430; that the phrase “under federal law” as used in § 513.”
In Re McCollum (2002) moeb “§ 513.430(10) and § 513.430(11) distinguish between an exemption for a “right to receive” (§ 513.”
In Re Selfe (2001) moeb “§ 513.430(10). The Trustee filed an objection to Debtor’s amended claim of exemption on the basis that the FEGLI Proceeds are not the type of benefit plan or payment contemplated by R.”
In Re Kuhrts (2009) mowb
— Mo. Rev. Stat. § 513.430(10)(e)(c) — 2 cases
In Re Gaines (1989) mowb “427 is merely reinforcement of the Missouri opt-out from the Federal Bankruptcy exemptions and thus adds nothing to Mo.Rev.Stat. § 513.430. With respect to the interest in the pension plan, Debtors’ position is that the provisions of Mo.”
Wachovia Bank & Trust, N.A. v. Wear (In Re Green) (1990) mowd
— Mo. Rev. Stat. § 513.430(10)(f) — 5 cases
State ex rel. Nixon v. Mahmud (1999) moctapp “Mah-mud’s assets were exempt from reimburse *719 ment under section 513.430(10X0, RSMo 1994, and in ordering it to pay the cost of the proceedings.”
State of Missouri, ex rel, Chris Koster, Attorney General v. Mark Bailey (2016) moctapp
Groh v. Groh (1995) moctapp
In re Shields (2018) mowb
LaBarge v. Mehra (In Re Mehra) (1994) moeb
— Mo. Rev. Stat. § 513.430(11) — 4 cases
In Re McCollum (2002) moeb “§ 513.430(10) and § 513.430(11) distinguish between an exemption for a “right to receive” (§ 513.”
In Re Barnes (1995) moeb
In Re Kininson (1995) moeb
In Re Selfe (2001) moeb “§ 513.430(10). The Trustee filed an objection to Debtor’s amended claim of exemption on the basis that the FEGLI Proceeds are not the type of benefit plan or payment contemplated by R.”
— Mo. Rev. Stat. § 513.430(2) — 3 cases
Roberts v. John Deere Co. (In Re Roberts) (1984) mowb
In Re Searcy (1987) mowb
In Re Lozano (1988) mowb
— Mo. Rev. Stat. § 513.430(3) — 20 cases
In Re Moss (2001) mowb “The Trustee is correct in regard to § 513.430(1), (9) and (10), and § 513.440.”
In Re Demars (2002) mowb
In Re Arnold (1996) mowb
Thomas v. Money Mart Financial Services, Inc. (In Re Thomas) (2004) mowb
In Re Shelby (1999) mowb “1 The Trustee further argues that Mo.Rev.Stat. § 513.430 places a dollar limitation on the value of personal property a debtor may claim as exempt and that under Missouri exemption statutes a debtor may not exempt items of personal property in excess of that valuation limit.”
— Mo. Rev. Stat. § 513.430(4) — 10 cases
Conkling v. Farmers Home Administration (In re Conkling) (1985) mowd
In Re Baker (1992) mowb
In re Ray (1989) mowd
In Re Rader (1992) mowb
Johnson v. Farmers Home Administration (In re Johnson) (1985) mowd
— Mo. Rev. Stat. § 513.430(5) — 8 cases
In Re Thorpe (2000) mowb
In re Story (2015) moeb
In Re Struckhoff (1999) moeb
Brown v. Union Financial Services, Inc. (In Re Brown) (2000) mowb
In Re Rentfro (1999) mowb
— Mo. Rev. Stat. § 513.430(6) — 4 cases
In Re White (2002) moeb “White claimed a mobile home exemption under section 513.430(6) R.S.Mo. in the amount of $1,000.”
In Re Thornton (2001) mowb
In Re Kelly (1988) moeb
In re Ray (1989) mowd
— Mo. Rev. Stat. § 513.430(7) — 3 cases
In Re Selfe (2001) moeb “§ 513.430(10). The Trustee filed an objection to Debtor’s amended claim of exemption on the basis that the FEGLI Proceeds are not the type of benefit plan or payment contemplated by R.”
In Re Martin (1998) moeb
In re Thurston (1991) mowd
— Mo. Rev. Stat. § 513.430(8) — 3 cases
In Re Pettigrew (1990) moeb
In Re Martin (1998) moeb
In Re Struckhoff (1999) moeb
— Mo. Rev. Stat. § 513.430(9) — 1 case
In Re Moss (2001) mowb “The Trustee is correct in regard to § 513.430(1), (9) and (10), and § 513.440.”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.