Everything you need to know about auto loan debt in Missouri: the statute of limitations is 10 years, garnishment is capped at 25% of disposable earnings or 10% of wages (greater protection), and 2 state-specific protections apply to your case.
10 years
Statute of limitations (written contracts)
$23,792
Avg. auto loan debt in US
25% of disposable earnings or
Garnishment limit
In Missouri, auto loan debt falls under written contracts with a statute of limitations of 10 years. Once the SOL expires, collectors cannot sue you for the debt — but they can still call. If you make a payment or acknowledge the debt in writing, the SOL clock may restart under Missouri law.
Credit/Open
5 years
Written
10 years
Oral
5 years
These strategies combine federal FDCPA protections with Missouri-specific laws like the Missouri Merchandising Practices Act.
In Missouri, the SOL for this debt type is 10 years — check if your debt has expired.
If a collector wins a judgment for auto loan debt in Missouri, garnishment is limited to: 25% of disposable earnings or 10% of wages (greater protection).
Missouri Merchandising Practices Act
File complaints: AG Consumer Protection
These Missouri-specific protections apply to your auto loan debt case:
All Missouri Debt Laws
SOL, garnishment, protections for all debt types
Auto Loan Debt Dispute Guide
Strategies, laws, and tips nationwide
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