Bloomington is home to the Mall of America and Minneapolis-St. Paul International Airport. Located in southern Hennepin County, it is one of the largest suburbs in the Twin Cities metro area.
Minnesota state exemptions apply. Homestead: $450,000 (up to $1,150,000 for agricultural property). Vehicle: $5,000. Household goods: $11,500. Wildcard: $13,000 (can be applied to any property). Wages: 75% exempt. Retirement accounts: fully exempt. Minnesota does not allow federal exemptions.
Exemptions determine what property you can keep in bankruptcy. See the full exemptions guide.
These organizations may offer free or low-cost assistance. Contact them directly to verify current services and eligibility requirements.
Bloomington residents file in the District of Minnesota at 316 N Robert St, St. Paul, MN 55101. Despite being in the Minneapolis metro, the bankruptcy court is in St. Paul, about a 20-minute drive from Bloomington.
Minnesota's vehicle exemption is $5,000. If your car is worth less than $5,000 (or your equity after the loan is under $5,000), you can keep it in Chapter 7. In Chapter 13, you keep all property while repaying debts over 3-5 years.
The means test compares your income to the Minnesota median. For a single earner, the 2026 median is approximately $62,000. If you are below the median, you automatically qualify for Chapter 7. If above, additional calculations determine eligibility.
Use the free 1328(f) screener to check whether a prior discharge affects your eligibility.
Free Discharge Screener