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Collecting Your Judgment in Buchanan County

You won in Missouri — now let's get you paid. Here's how judgment collection works in Buchanan County, and where to file locally.

10 years (renewable)
Judgment good for
9% per annum on most (non-tort) judgments; if the contract specified a higher rate, the contract rate applies. Tort judgments: the intended Federal Funds Rate plus 5% (fixed at entry).
Interest
Available
Wage garnishment
Buchanan
County

Where to file in Buchanan County

Local court

Buchanan County Circuit Court

411 Jules Street, Room 331, St. Joseph, MO 64501

(816) 271-1456

Who enforces the order

The Buchanan County sheriff/marshal carries out levies and wage withholding once the court issues your order. Real-estate liens are recorded with the county recorder where the property sits.

Your collection options

These follow Missouri law. See the full Missouri guide for forms, fees, and deadlines.

Debtor's asset exam

Examination of Judgment Debtor (supplementary proceeding)

Wage garnishment

Form CV92 (Garnishment Application and Order); CV110 (Interrogatories to Garnishee); CV96 (Affidavit/Judgment Debtor's Claim for Exemption)

Up to Lesser of 25% of disposable earnings (10% if head of family) OR the amount by which weekly disposable earnings exceed 30x the federal minimum wage

Bank levy

Form CV92 (Garnishment Application and Order); CV91 (Execution Application and Order); CV110 (Interrogatories to Garnishee)

Garnishment / Execution (non-wage)

Property lien

Judgments of circuit courts (and the supreme court, court of appeals, federal courts in MO) are automatically liens on the debtor's real estate in the county where the court sits (RSMo 511.350). Associate-division judgments must be filed with the circuit clerk (RSMo 517.141/517.151) to become a lien. Small claims and municipal-division judgments are NOT liens on real estate.

Doing it yourself in Buchanan County

Missouri's enforcement forms are built for self-represented creditors, and the court and sheriff fees are modest and usually recoverable from the debtor. If you'd rather hand it off entirely, judgment-recovery firms and collections attorneys typically charge 33–50% of what they recover.

Buchanan County Judgment Collection FAQ

Most enforcement paperwork is filed with the court that entered your judgment. In Buchanan County, that is typically Buchanan County Circuit Court, 411 Jules Street, Room 331, St. Joseph, MO 64501 ((816) 271-1456). A lien on real estate is recorded with the county recorder/clerk where the property sits.

The Buchanan County sheriff (or marshal/constable, depending on the county) carries out levies and wage withholding once the court issues the order. Contact their civil division for the current levy fee — it's a modest, recoverable cost, and the steps below cover when to pay it.

No — judgment collection isn't a service we offer. This guide covers the do-it-yourself path for Buchanan County step by step. If you'd rather hand it off, judgment-recovery firms and collections attorneys typically charge 33–50% of what they recover.

General information about collecting a money judgment in Buchanan County, Missouri — not legal advice. Court locations, fees, and procedures change; confirm current requirements with the local court before filing.

Have a different dispute that needs filing?

Collection isn't a service we offer — but if someone else owes you money, we prepare and file small claims cases for a flat $299 and draft demand letters for $149. Tell us what happened.

100% refund if we don't file your case

Prefer to talk it through? Call or text (424) 358-4927.

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