{"id":6694,"date":"2022-04-26T18:41:33","date_gmt":"2022-04-26T18:41:33","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=6694"},"modified":"2022-06-03T23:14:10","modified_gmt":"2022-06-03T23:14:10","slug":"qualifying-for-chapter-7-and-protecting-assets-now-easier","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/qualifying-for-chapter-7-and-protecting-assets-now-easier\/","title":{"rendered":"Qualifying For Chapter 7 and Protecting Assets now Easier"},"content":{"rendered":"\n<p>By David Kelly, Minnesota Bankruptcy Attorney<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Easier Qualifying for Chapter 7 Bankruptcy in Minnesota<\/h2>\n\n\n\n<p>The primary requirement for being able to file a Chapter 7 bankruptcy is to have your income below a certain level.  Stated most simply, to qualify for Chapter 7 you want your income to be lower than the median income for your household size in your state.  These levels are set by the Department of Justice, US Trustee&#8217;s Office; and new, higher numbers came out recently on April 1st.  If your income is slightly above the median, there is a means test that you might be able to pass which would allow you to still file a Chapter 7.  Doing the means test, however, can sometimes be an invitation to a close scrutiny of the case.  Being below the median is best.  Here are the April 2022 numbers and how much they just went up.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Minnesota Median Household Income April 2022<\/h2>\n\n\n\n<pre class=\"wp-block-code\"><code>One person:    $  65,514 \u2014 Up $2,490\n\nTwo people:    $  86,358 \u2014 Up $3,875\n\nThree people:  $ 106,445 \u2014 Up $4,776\n\nFour people:   $ 125,753 \u2014 Up $5,533\n\nFive people:   $ 135,653 \u2014 Up $6,543\n\nSix people:    $ 145,553 \u2014 Up $7,443\n\nMore information at<a href=\" https:\/\/mn-bankruptcy.com\/chapter7.html\"> https:\/\/mn-bankruptcy.com\/chapter7.html<\/a><\/code><\/pre>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Now Easier to Qualify for Bankruptcy &amp; Protect Your Assets\" width=\"525\" height=\"295\" src=\"https:\/\/www.youtube.com\/embed\/X6VMpx_F-nM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Easier Protection for Your Stuff in Minnesota Chapter 7<\/h2>\n\n\n\n<p>As soon as you file a Chapter 7 bankruptcy, the court appoints a trustee whose job it is to find assets that can be used to pay all or part of your debt.  You really want the trustee to not be able to find any assets, or certainly not much for assets.  The way to keep your assets away from the trustee is to claim them as exempt.  What you can claim as exempt and how much is obviously very important.  In Minnesota you have a choice between a state exemption list and a federal exemption list.  In this post I am only talking about the federal list.  The federal exemptions just went up in every category.  Here are a few typical items and how much they went up.  These are just a few examples.  It is not anywhere near a complete list.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">April 2022 Federal Exemptions<\/h2>\n\n\n\n<pre class=\"wp-block-code\"><code>Household goods  $14,875  -  Up $1,475\n\nCar              $ 4,450  -  Up $  450\n\nTools of Trade   $ 2,800  -  Up $  175\n\nCash value of\nLife Insurance   $14,875  -  Up $1,475\n\nCatch-all        $15,425  -  Up $1,525\n\nMore information at <a href=\"https:\/\/mn-bankruptcy.com\/exemptions.html\">https:\/\/mn-bankruptcy.com\/exemptions.html<\/a><\/code><\/pre>\n\n\n\n<p>There is now word on the street that a round of increases to the Minnesota state exemption list is being contemplated for July 1, 2022.  Watch my blog for news about that.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>By David Kelly, Minnesota Bankruptcy Attorney Easier Qualifying for Chapter 7 Bankruptcy in Minnesota The primary requirement for being able to file a Chapter 7 bankruptcy is to have your income below a certain level. Stated most simply, to qualify for Chapter 7 you want your income to be lower than the median income for &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/mn-bankruptcy.com\/blog\/qualifying-for-chapter-7-and-protecting-assets-now-easier\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Qualifying For Chapter 7 and Protecting Assets now Easier&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":6699,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[12,223,28,107,226],"tags":[246,146],"class_list":["post-6694","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chapter-7","category-exemptions","category-filing-bankruptcy","category-filing-process","category-minnesota-state-exemptions","tag-median-incomes-up","tag-minnesota-chapter-7-bankruptcy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Qualifying For Chapter 7 and Protecting Assets now Easier - Better Call Dave - Bankrupt MN Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mn-bankruptcy.com\/blog\/qualifying-for-chapter-7-and-protecting-assets-now-easier\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qualifying For Chapter 7 and Protecting Assets now Easier - Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"og:description\" content=\"By David Kelly, Minnesota Bankruptcy Attorney Easier Qualifying for Chapter 7 Bankruptcy in Minnesota The primary requirement for being able to file a Chapter 7 bankruptcy is to have your income below a certain level. 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \\\"I'm a very good source of unreliable information about that.\\\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. You can find me in MInnetonka near I-394 and Hopkins crossroad. It's ten or fifteen minutes from downtown Minneapolis. You can see parts of Plymouth, Minnesota, Golden Valley, Minnesota and St. Louis Park, Minnesota from the high ground in front of my building. 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