Raymore is a growing suburb in Cass County, south of Kansas City, with a population of about 22,700. It has seen significant residential development in recent decades.
| Property | Missouri Exemption |
|---|---|
| Homestead | $15,000 |
| Vehicle | $3,000 |
| Household Goods | $3,000 |
| Wildcard | $600 + up to $3,250 unused homestead |
| Wages | 75% exempt (90% head of household) |
| Retirement Accounts | Fully exempt |
Missouri does not allow federal bankruptcy exemptions. You must use Missouri state exemptions.
Someone in Raymore, MO can protect $15,000 in home equity. Someone across the state line in Kansas can protect unlimited home equity (up to 1 acre urban). Same metro area. Same housing market. Vastly different bankruptcy outcomes.
Missouri vehicle exemption: $3,000. Kansas vehicle exemption: $20,000 (single) / $40,000 (married).
Raymore is in Cass County, which files in the Western District of Missouri, Kansas City Division. The courthouse is at 400 E 9th St, Kansas City, MO 64106. The W.D. Mo. has a 40.4% Chapter 13 dismissal rate.
Missouri exemptions apply: $15,000 homestead, $3,000 vehicle, $3,000 household goods, wildcard of $600 plus up to $3,250 unused homestead. Missouri does not allow federal exemptions. Full exemptions guide.
Raymore residents are subject to Missouri's $15,000 homestead exemption. Kansas suburbs across the state line have an unlimited homestead exemption and a $20,000/$40,000 vehicle exemption versus Missouri's $3,000. Full comparison.
No. You must file in the district where you live. Raymore residents must file in the Western District of Missouri. You cannot choose Kansas to get better exemptions. If you move to Kansas, you must live there at least 730 days before Kansas exemptions apply under 11 U.S.C. section 522(b)(3).
Raymore has experienced rapid home value appreciation, which can push equity above Missouri's $15,000 homestead exemption. Newer homeowners who purchased recently may have less equity and more Chapter 7 options.
Use the free 1328(f) screener to check whether a prior discharge affects your eligibility.
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