Wage-garnishment · MO
Missouri wage-garnishment cap & exemptions
Missouri's wage-garnishment rule, head-of-family exemption, exempt-property table, and bank-account-levy defense — statute-cited (Mo. Rev. Stat. §525.030).
MO · wage-garnishment + debtor-exemption
Missouri
- Cap statute
- Mo. Rev. Stat. §525.030 (opens in a new tab)verified May 11
- Head-of-family exemption
- Recognized with a state-specific dollar or % cap.
Wave-2 state — framework classified from secondary-source consensus; full per-asset exempt-property table + primary-source verification pending Wave-2 ship.
Calculate your protected amount
Pre-filled to Missouri. Add your paycheck details to see the federal §1673 cap and any stricter state overlay.
- State
- 2Paycheck
- 3Debt type
- 4Head-of-family
- 5Result
Fill in your state and paycheck to see your federal + state cap.
Output appears here · all values cite primary-source statute · no inputs are logged
Federal vs Missouri — at three reference paychecks
Comparative shape of Missouri's cap relative to the federal §1673 default. Your actual output above reflects your specific paycheck and head-of-family status.
Exempt-property table — Missouri
The categories below cover what creditors generally cannot reach. Each row carries the controlling state statute. Verify against the current statute text before relying on a specific dollar amount — state legislatures amend exempt-property caps regularly.
| Category | Amount / scope | Statute |
|---|---|---|
| Homestead | State-statute research pending | — |
| Motor vehicle | State-statute research pending | — |
| Wildcard | State-statute research pending | — |
| Tools of trade | State-statute research pending | — |
| Retirement | State-statute research pending | — |
| Public benefits | Federal 31 CFR §212 + state-protection · state-statute research pending | — |
| Wages already deposited | State-statute research pending | — |
Head-of-family exemption
Missouri caps head-of-family disposable garnishment at 10% (§525.030); non-head-of-family workers fall under the federal 25% cap. Calculator applies the 10% override only when head-of-family status = yes.
Bank-account levy defense — Missouri
If your account is frozen, federal protection of SSA-class direct deposits is automatic (no claim required). Other categories require a timely claim-of-exemption filing.
What's protected, and what you do next
- Select what's in the frozen account to see the procedural pathway. Federal SSA-class benefits have automatic protection; state-protected categories require a timely claim-of-exemption filing.
Free lawyer-referral option — Missouri
The Missouri Bar runs a lawyer-referral service offering low-cost (typically $0–$30) 30-minute consultations. Find your local referral service.
Free lawyer-referral option — Missouri
The Missouri Bar runs a lawyer-referral service offering low-cost (typically $0–$30) 30-minute consultations. Find your local referral service.
Other Wave-1 states
Citations
- Mo. Rev. Stat. §525.030 (opens in a new tab)verified May 11