Legal Question in Credit and Debt Law in Missouri

I'm not sure what you mean by "file a homestead." If a creditor has a judgment against you, they may already have a lein against real property that you own. But, such a lein allows you ADN exemption of some of the equity. If you have a lot of equity, you might need to file fur bankruptcy protection. If the home was collateral or security for a loan, bankruptcy might not prevent execution of the security interesr.

If yiur spouse recently passed away, you are allowed s homestead exemption from others getting the home by will it descent.

If you still have questions, you should consult directly with a civil or probate practice attorney in your area.

Good luck