The first step in filing for bankruptcy in Minnesota is to complete mandatory pre-filing credit counseling. A large number of companies offer this counseling, which generally runs about two hours and costs about $50. The Department of Justice maintains a current list of licensed providers. Ensure that your chosen class is on this list, and that you get printed proof of completion when it is done.

Once you’ve completed credit counseling, you have 180 days from the date of completion to file your papers. You’ll be filing with the United States Bankruptcy Court of Minnesota. You can file in person at court locations in Minnesota, St. Paul, Duluth or Fergus Falls, and there is also an e-file option on the court website.

Your filing requirements will vary depending on which type of bankruptcy you are pursuing and your personal circumstances, but generally speaking you are filling out some mandatory forms and attaching documentation that shows all of your income, debts, assets and regular living expenses. You may also claim any exemptions your circumstances entitle you to. The court website referenced above provides detailed instructions for each type of bankruptcy, and alternately you can simply have an attorney handle the entire filing process for you.

This is a mostly straightforward process, but the part where people tend to get tripped up in their bankruptcy is in filing their paperwork. An experienced bankruptcy attorney assists here by ensuring you’ve provided everything necessary and file all the forms properly the first time. They also can assist you if your creditors decide to challenge aspects of your filing. For the most experienced and personalized bankruptcy service in the Minneapolis area, contact Buettner Law Group.