Modifies provisions relating to garnishments

HB 275 modifies Missouri's garnishment laws by increasing exemptions for debtors' essential property. It raises the value limit for household goods and furnishings from $3,000 to $15,000, jewelry from $1,500 to $1,500 (unchanged), and mobile homes from $5,000 to $10,000. The bill also expands protections for tools of trade ($3,000 limit), motor vehicles ($5,000 plus unused household exemption), and life insurance proceeds for funeral expenses. These changes directly affect Missouri residents facing debt collection, shielding more basic assets from being seized by creditors.