Cole County, MO
Bankruptcy Law

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How To File Bankruptcy In Cole County, MO

Welcome! has provided free bankruptcy information to more than 10 million consumers since 2006, and the Free Means Test Calculator (November 1, 2022, Edition)  has helped hundreds of thousands of consumers figure out where they stand in relation to the bankruptcy means test, created by the 2005 BAPCPA bankruptcy act.

Bankruptcy Means Test Calculator for Cole County

In addition to the means test calculator, this site has answers to your questions  about bankruptcy:

How to File Bankruptcy in Missouri

Bankruptcy Court Info for Cole County, MO

Free Bankruptcy Forms & Instructions

Missouri Bankruptcy Exemptions

How Bankruptcy Handles Certain Debts

Debts You Can Discharge

    • Credit Card Debt
    • Medical Debt
    • Lawsuit Liability (if not from fraud or willful or malicious injury)
    • Personal Loans

Debts You Cannot Discharge

Debts You Can Discharge Only In Special Cases

How Bankruptcy Treats Secured Debts

How Bankruptcy affects Co-Signers

    • Chapter 7 Bankruptcy
    • Chapter 13 Bankruptcy

Bankruptcy Lawyers Near Me

Note: This website is updated as time permits. It is up to you to contact your local court and confirm and update any information you need. Information is not advice. Consult with a bankruptcy lawyer for advice about how the law relates to your exact situation.


Cole County Bankruptcy Means Test Calculator

Automatically apply the Cole County expense standards, and Missouri income standards to your means test calculation.

Cole County Bankruptcy Court

Find where to file if you live in Cole County.

Missouri Bankruptcy Exemption Laws

Automatically apply the Cole County expense standards, and Missouri income standards to your means test calculation.


Means Test Calculator for Cole County, For Cases Filed on or after November 1, 2022

The free bankruptcy means test calculator is a free, automated version of the official Means Test Form you must file with the court.

This free automated version: help you determine whether you pass the "means test" for Chapter 7 bankruptcy.



Missouri Bankruptcy Exemptions - All Categories

Missouri Exemptions Summary:


Real property to $15,000 or mobile home to $5,000 (joint owners may not double)

Vehicle Exemption

Motor vehicles to $3,000 in aggregate

Personal Property

Appliances, household goods, furnishings, clothing, books, crops, animals, & musical instruments to $3,000 total
Health aids
Wedding ring to 1,500, other jewelry to $500
Implements, books, & tools of trade to $3,000

Wild Card

$1,250 of any property if head of family, else $600; head of family may claim additional $350 per dependent child under age 21.