MO SB835

Increases property exemptions from attachment and execution: household goods from $3,000 to $15,000, motor vehicles from $3,000 to $5,000 (plus up to $10,000 unused household exemption), mobile homes from $5,000 to $12,000, and homestead exemption from $15,000 to $40,000

Establishes automatic inflation adjustments every three years starting April 1, 2029, based on the Consumer Price Index, with the revisor of statutes publishing updated dollar amounts

Creates new procedures for bank account garnishments effective January 1, 2028, limiting garnishments to one per 30-day period against the same debtor and garnishee, requiring a minimum 30-day return date, and mandating financial institutions answer within 20 days

Expands judgment debtor immunity protections during court-ordered examinations to include full use immunity and derivative use immunity from prosecution, except for perjury or false statements

Removes the prior requirement that an execution be returned unsatisfied before a creditor can seek a judgment debtor examination, allowing motions anytime before the judgment is satisfied or presumed paid