Minnesota Bankruptcy

Bankruptcy laws and resources vary from state to state. The following page provides information and resource links for the state of Minnesota.

If you are not looking for information regarding Minnesota, please use the links on the left to find information for your state.

Bankruptcy Courts - Location and Contact Information

Minnesota bankruptcy courts consist of one district, which is further divided into several divisions. Generally, the debtor’s county of residence will determine which division the bankruptcy petition is filed. It may also be determined by the location of the debtor’s principal place of business or principal assets.


Duluth or St. Paul Divisions – Benton, Kanabec, Mille Lacs, Morrison and Pine Counties

Duluth Division – Aitkin, Carlton, Cass, Cook, Crow Wing, Itasca, Koochiching, Lake and St. Louis Counties

St. Paul Division - Blue Earth, Brown, Chisago, Cottonwood, Dakota, Dodge, Faribault, Fillmore, Freeborn, Goodhue, Houston, Jackson, Lac Qui Parle, LeSueur, Lincoln, Lyon, Martin, Mower, Murray, Nicollet, Nobles, Olmsted, Pipestone, Ramsey, Redwood, Rice, Rock, Scott, Sibley, Steele, Wabasha, Waseca, Washington, Watonwan, Winona and Yellow Medicine Counties

Fergus Falls or Minneapolis Division – Stearns County

Minneapolis Division – Anoka, Carver, Chippewa, Hennepin, Isanti, Kandiyohi, McLeod, Meeker, Renville, Sherburne, Swift and Wright Counties

Fergus Falls Division – Becker, Beltrami, Big Stone, Clay, Clearwater, Douglas, Grant, Hubbard, Kittson, Lake of the Woods, Mahnomen, Marshall, Norman, Otter Tail, Pennington, Polk, Pope, Red Lake, Roseau, Stevens, Todd, Traverse, Wadena and Wilkin Counties

U.S. Bankruptcy Court
416 U.S. Courthouse
515 West First Street
Duluth, MN 55802
Same (218) 529-3600
St. Paul
Closed until mid-2008 for remodeling
All filings and correspondence should be directed to Minneapolis location.
U.S. Bankruptcy Court
301 U.S. Courthouse
300 South Fourth Street
Minneapolis, MN 55415
(612) 664-5200
Fergus Falls
U.S. Bankruptcy Court
204 U.S. Courthouse
118 South Mill Street
Fergus Falls, MN 56537
(218) 739-4671

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Minnesota Bankruptcy Laws and Exemptions

Minnesota Exemptions

The U.S. Bankruptcy Code allows individual debtors to exempt certain property from creditor claims based on exemptions under either federal law or state law. Exemptions vary from state to state. Some states have adopted their own set of bankruptcy exemptions that are used in place of the federal exemptions. However, other states give debtors an option to choose between either state or federal exemptions.

Minnesota bankruptcy law allows residents to use either the federal set of exemptions or state exemptions.


Click the following links to view common bankruptcy exemptions pursuant to Minnesota state law: real estate, personal property.

Contact a Minnesota bankruptcy lawyer for more information regarding Minnesota bankruptcy exemptions.

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Minnesota Means Test

The new bankruptcy laws enacted in 2005 also require that debtors pass a means test before filing a Chapter 7 bankruptcy. There are two ways to pass the means test:

1. the debtor's annual income (calculated using the average gross income for the six month period prior to filing) must be below the state median.
Census Bureau statistics for state median income by family size can be found here (for cases filed between April 1, 2013 and April 30, 2013).

2. If income exceeds the median income, individuals may still file Chapter 7 bankruptcy based on results of Form 22A: Chapter 7 Statement of Current Monthly Income and Means-Test Calculation. .

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Minnesota Credit Counseling and Debtor Education Agencies

Pursuant to the new bankruptcy laws enacted in 2005, individuals who file personal bankruptcy (with limited exceptions) in Minnesota must:

1. take a credit counseling course from an approved Minnesota credit counseling provider within six months before filing bankruptcy; and

2. complete a debtor education course from an approved Minnesota debtor education agency prior to receiving a bankruptcy discharge.

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Minnesota Personal Bankruptcy Attorneys

To find bankruptcy lawyers in your area, you may want to contact your local district bar association or the Minnesota State Bar Association:

Minnesota State Bar Association
600 Nicollet Mall #380
Minneapolis, MN 55402
(612) 333-1183
Toll Free (800) 882-6722

Based on income, free bankruptcy advice and representation may also be obtained from the following organizations: See the Minnesota Legal Services Coalition's website for a list of organizations that provide legal services to low income clients in Minnesota.

If you are concerned about the representation provided to you by your attorney, contact the Minnesota Office of Lawyers Professional Responsibility Board.

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Resources for Minnesota Bankruptcy Laws

U.S. Bankruptcy Court for the District of Minnesota - administrative and procedural information for Minnesota bankruptcy filings

Office of the U.S. Trustee for Region 12 - oversees the administration of Minnesota personal bankruptcy cases and case trustees

Minnesota State Bar Association - information about the Minnesota bar, membership, ethics, continuing legal education, and resources for the public.

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