Bankruptcy Means Test Calculator for Every Minnesota County

Automatically apply the Minnesota median income standards and county expense standards your means test calculation.

Bankruptcy Courts for Every Minnesota County

Bankruptcy Courts Serving Minnesota

Minnesota Bankruptcy Exemption Laws

Automatically apply the Minnesota median income standards and county expense standards your means test calculation.

Filing Bankruptcy In Minnesota's "Bankruptcy By Zip Code" website has provided free, local bankruptcy information to more than 10 million consumers since 2006!

How to File 

Bankruptcy Court


Types of Debt

  • Secured Debts: Bankruptcy doesn't get rid of secured debts. You'll be asked what you plan to do about your secured debts when you file. Your options are:  -
    • Surrender: Give back the property, and wipe out any remaining deficiency balance in bankruptcy. 
    • Redeem: - Come up with the cash the buy the property outright, at its current value.. 
    • Reaffirm: - Keep the arrangement you have, and leave this debt unaffected by your bankruptcy.
    • Common Types Secured Debts:
      • Mortgages
      • Car Loans
      • Judgement Liens:
        • How to "void" them on exempt property.
  • Unsecured Debts: Most unsecured debts, like credit cards and medical debts can be discharged in bankruptcy.
    • Credit Card Debt
    • Medical Debt
    • Personal Loans
    • Payday loans
  • Unsecured Debts that require extra steps:

DIY Solutions

  • UpSolve: Upsolve is a new way to file for bankruptcy that is well-suited to debtors who have little or no property.
  • SoloSuit: If you've been sued for a debt, SoloSuit can help you stave off a wage garnishment. 

Note: This website is updated as time permits. It is up to you to contact your local court and confirm and update any information you need. Information is not advice. See a bankruptcy lawyer for advice about how the law relates to your situation.


Free Bankruptcy Case Evaluation For Minnesota

Do you have questions about filing bankruptcy in Minnesota? Use the form below to connect with a lawyer through the Nolo / Martindale network of bankruptcy lawyers For Minnesota.
SPONSORED FORM - Nolo/Martindale Attorney Network

Means Test Calculator for Your County, For Cases Filed on or after May 15, 2023

The free bankruptcy means test calculator is a free, automated version of the official Means Test Form you must file with the court.

This free automated version: help you determine whether you pass the "means test" for Chapter 7 bankruptcy.



Minnesota Bankruptcy Exemptions - All Categories

Minnesota Exemptions Summary:


Home and land on which it is situated to $480,000; if homestead is used for agricultural purposes, $1,120,000; cannot exceed 1/2 acre in city, 160 acres elsewhere (husband & wife may not double)

Vehicle Exemption

$5,200 (up to $52,000 if vehicle has been modified for disability) (adjusted for inflation July 1, 2022)

Personal Property

Appliances, furniture, jewelry, radio, phonographs, & TV to $11,700 total
Bible and books
Clothing, one watch, food, & utensils for family
Farm machines, implements, livestock, produce, & crops to $13,000 total
Tools, machines, instruments, stock in trade, furniture, & library to $13,000 total
Total value of Tools of Trade and Farm Machines combined cannot exceed $13,000 
(adjusted for inflation July 1, 2022)

Wild Card




How to use ChatGPT (and Other AI Tools) to Navigate the Bankruptcy Process in Minnesota

If you've been reading at all, you know that the improvement in generative AI tools, like ChatGPT v.4, have made it possible now to get work done more quickly than ever, especially in knowledge fields like law.

This is great news for consumers because now they can use ChatGPT as a research assistant when exploring their debt relief options.

This article will show you how to effectively use AI tools, like ChatGPT, Google Bard, and, to help you through the bankruptcy process in your state and county.

Getting Started

To effectively use AI, you must understand it's an auto-complete machine. So, to get an answer you can use, crafting the question is very important. This is called prompt engineering. They teach courses in prompt engineering to young lawyers at big law firms.

In our tests here at, we have discovered that GPT4 does best when answering questions like the ones that follow. Sometimes, it will say it can't give you information about legal matters. But, if you rephrase the question and ask what a lawyer would ask me in this situation, it is quite free and gives good information you can use as a foundation for further research. more...