Bankruptcy in Ramsey County

Ramsey County is home to St. Paul, Minnesota's capital and the other half of the Twin Cities. Bankruptcy cases are filed in the St. Paul Division of the District of Minnesota.

Key Information

Federal District

District of Minnesota (St. Paul Division)

All bankruptcy cases from Ramsey County are filed in this district.

Nearest Courthouse

316 N Robert St, St. Paul, MN 55101

341 meetings and court hearings are typically held at this location.

Minnesota Exemptions in Ramsey County

Minnesota state exemptions apply. Homestead: $450,000 (non-agricultural) / $1,125,000 (agricultural). Vehicle: $5,000. Personal property: $10,800. Wages: 75% exempt. Retirement accounts: fully exempt. Federal exemptions not available.

Exemptions determine what property you can keep in bankruptcy. See the full exemptions guide.

Filing Bankruptcy in Ramsey County

The Process

Credit counseling -- Complete an approved course within 180 days before filing ($15-25).
File your petition -- The petition is filed with the District of Minnesota (St. Paul Division). The automatic stay takes effect immediately.
341 meeting -- About 30 days after filing, attend a brief meeting of creditors at 316 N Robert St, St. Paul, MN 55101.
Debtor education -- Complete a second financial course before discharge ($10-25).
Discharge -- Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing 3-5 year plan.

Frequently Asked Questions

Where do Ramsey County residents file bankruptcy?

Ramsey County cases are filed in the District of Minnesota. Hearings may be held at 316 N Robert St, St. Paul, MN 55101 or at the Minneapolis courthouse. The specific location depends on the assigned judge.

Are Ramsey County exemptions different from Hennepin County?

No. Minnesota exemptions apply uniformly across all counties. The same homestead ($450,000), vehicle ($5,000), and personal property ($10,800) exemptions apply whether you live in Ramsey, Hennepin, or any other Minnesota county.

How does filing in Ramsey County differ from Hennepin County?

The primary difference is which division your case is assigned to. Ramsey County cases may be assigned to the St. Paul Division while Hennepin County cases typically go to the Minneapolis Division. The same judges, rules, and exemptions apply.