Duluth is the fourth-largest city in Minnesota, located at the western tip of Lake Superior in St. Louis County. While not part of the Twin Cities metro, it is the largest city in northern Minnesota and the regional center for the Arrowhead region.
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.
Duluth residents file in the District of Minnesota, Duluth Division. The courthouse is at 515 W 1st St, Duluth, MN 55802. Unlike Twin Cities residents who file in St. Paul, Duluth-area residents have their own local courthouse for 341 meetings.
No. Minnesota exemptions apply statewide. Duluth residents get the same $450,000 homestead, $5,000 vehicle, and $13,000 wildcard exemptions as Twin Cities residents. However, lower property values in Duluth mean the homestead exemption is more than sufficient for most homeowners.
Seasonal employment is common in Duluth's tourism and shipping industries. The means test looks at your 6-month average income, so timing your filing during lower-income months may help you qualify for Chapter 7. Consult with an attorney about optimal timing for your situation.
Use the free 1328(f) screener to check whether a prior discharge affects your eligibility.
Free Discharge Screener