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.
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 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.
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Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5