Mo. Rev. Stat. » Chapter 513
Missouri Revised Statutes

Mo. Rev. Stat. § 513.436 (2026)

Exemption limited by lien

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  513.436.  Exemption limited by lien. — No property upon which a debtor has voluntarily granted a lien shall, to the extent of the balance due on the debt secured thereby, be subject to the provisions of this chapter or be exempt from attachment or execution.

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(L. 1987 H.B. 484 § 1)

Effective 7-15-87

(1987) This section is as a conclusion of law unconstitutional for having been passed by the legislature in a manner that failed to conform with Section 23 of Article 3 of the Missouri Constitution that a bill contain only one subject and thus was ineffective to deny avoidance of lien of creditor by debtor. In re Darrell L. Sapp, 81 B.R. 545, Bkrtcy (W.D.Mo.).

Notes of Decisions
Cited in 4 cases, 1987–1988 · leading case: In re Bowen, 82 B.R. 102 (Bankr. E.D. Mo. 1988).
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In re Bowen, 82 B.R. 102 (Bankr. E.D. Mo. 1988). · cites it 4× “” 1987 Missouri Legislative Service 1166 (Vernon) (now codified as Section 513.436, R.S.Mo.) On the basis of this legislation, ITT argues that since its liens no longer impair an available exemption, Section 522(f)(2)(A) of the Bankruptcy Code cannot be applied to avoid them.”
In re Sapp, 81 B.R. 545 (Bankr. W.D. Mo. 1987). · cites it 7× “Counsel for ITT then introduced a duly exemplified copy of House Bill 484 as Codified in Revised Statute Supplement 1987 to now be § 513.436. The entire exemplified House Bill 484 is appended to this opinion, as a substantial portion of this opinion is intelligible only after…”
In re Ray, 83 B.R. 670 (Bankr. E.D. Mo. 1988). · cites it 2× “It is alleged that since § 513.436 R.S.Mo. disallows the exemption of property covered by a consensual lien, such property cannot be exempted under § 513.”
In re Sapp, 81 B.R. 545 (W.D. Mo. 1987). · cites it 7× “Counsel for ITT then introduced a duly exemplified copy of House Bill 484 as Codified in Revised Statute Supplement 1987 to now be § 513.436. The entire exemplified House Bill 484 is appended to this opinion, as a substantial portion of this opinion is intelligible only after…”
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