When you have too much debt, a Missouri bankruptcy case can be the answer. An excellent place to start is by becoming familiar with the differences between filing for Chapter 7 or Chapter 13 bankruptcy.
Once you know which chapter is right for you, it will be time to complete the paperwork. You’ll need additional information, such as official bankruptcy forms, Missouri means test figures, credit counseling providers, and your local bankruptcy court. You’ll find that here, as well as an explanation about protecting property in a Missouri bankruptcy.
Before the Missouri bankruptcy court wipes out (discharges) your qualifying debt, you’ll disclose information about your property, debts, income, expenses, and financial transactions on official bankruptcy forms. You can complete and download the forms on the U.S. Courts form page, then file your paperwork in the Missouri bankruptcy court along with a filing fee or a request for a fee waiver and a certificate showing that you’ve completed a credit counseling course (additional information below).
Federal law governs all bankruptcy cases, but you’ll need some information and law specific to Missouri, too.
You can find two types of state-specific information on the website of the U.S. Trustee: means testing figures and approved credit counseling providers.
Filing for bankruptcy doesn’t mean that you’ll have to give up all your property. Chances are you’ll be able to exempt (protect) most, if not all of it.
You can learn more about the list of state exemptions at Missouri Bankruptcy Exemptions.
Missouri has two bankruptcy court districts. On each court’s website, you’ll find local rules and the court’s instructions for filing your paperwork. In the Eastern District, click on “Info For Filing or Acting Without Attorney.” In the Western District, click on “Bankruptcy Court,” “Debtors & Self-Assistance,” then, “More…”
To determine which district has jurisdiction over your case, visit the Federal Court Locator page or call one of the offices listed below.
|Thomas F. Eagleton U.S. Courthouse
111 South Tenth Street, Fourth Floor
St. Louis, MO 63102(314) 244-4500
|United States Courthouse
400 East 9th Street, Room 1800Kansas City, Missouri 64106(816) 512-1800
This article cannot provide all of the information you’ll need to file for bankruptcy. Filing for bankruptcy without an attorney can be challenging, and each filer must be knowledgeable about bankruptcy law. Depending on the complexity of your case, a self-help book such as How to File Chapter 7 Bankruptcy by Attorney Cara O’Neill and Albin Renauer J.D. might provide the additional support you need.