{"id":6708,"date":"2022-06-22T23:34:00","date_gmt":"2022-06-22T23:34:00","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=6708"},"modified":"2022-10-13T23:07:45","modified_gmt":"2022-10-13T23:07:45","slug":"fresh-increases-in-minnesota-state-exemptions","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/fresh-increases-in-minnesota-state-exemptions\/","title":{"rendered":"Fresh Increases in Minnesota State Exemptions"},"content":{"rendered":"\n<p>By Dave Kelly, Minnesota Bankruptcy Lawyer<\/p>\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=\"Fresh Increases in Minnesota State Exemptions\" width=\"525\" height=\"295\" src=\"https:\/\/www.youtube.com\/embed\/6AvDeBdo_zw?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<p>In a Chapter 7 bankruptcy if you want to keep your assets and belongings, they have to be claimed as exempt under an applicable exemption law.  In Minnesota there are two exemption laws to choose from, the federal list and the state list.  I have written a lot elsewhere about why one would choose one list or the other.  That is not my topic here.  I just want to talk about how most of the state exemptions are going up in a few days.  The federal exemptions were increased on April 1st this year.  I covered that in  a <a href=\"https:\/\/mn-bankruptcy.com\/blog\/qualifying-for-chapter-7-and-protecting-assets-now-easier\/\">recent blog post<\/a>.<\/p>\n\n\n\n<p>On July 1st in even numbered years, certain parts of the Minnesota state exemptions are updated to keep up with inflation.  Since this year is even numbered, we are about to have another update.  I am glad to see that all the numbers which can be changed are going up.  <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Summary of Minnesota Exemption Increases<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<ul class=\"wp-block-list\"><li>Household furniture, household goods increased from $11,250.00 to $11,700.00.<\/li><li>Wedding rings  increased from $3,062.50 to $3,185.00.<\/li><li>Tools of the trade  increased from $12,500.00 to $13,000.00.<\/li><li>Life insurance benefits increased from $50,000.00 to $52,000.00.<\/li><li>Additional dependent insurance benefits increased from $12,500.00 to $13,000.00.<\/li><li>Motor vehicle increased from $5,000.00 to $5,200.00.<\/li><li>Insurance policies increased from $10,000.00 to $10,400.00.<\/li><li>Employee benefits (retirement accounts) increased from $75,000.00 to $78,000.00.<\/li><li>Homestead (limited to 160 acres) increased from $450,000.00 to $480,000.00.<\/li><li>Homestead used primarily for agriculture increased from $1,125,000.00 to $1,200,000.00.<\/li><\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Our Minnesota State Exemptions Remain Far from Perfect<\/h2>\n\n\n\n<p>For a more complete rundown on how this all works, take a look at my <a href=\"https:\/\/mn-bankruptcy.com\/exemptions.html\">exemptions page<\/a>.  These state exemptions leave a lot to be desired.  They have a lot of gaps which seem to always allow the bankruptcy trustees to require my clients to buy back some of their stuff.   Most jewelry is not exempt.  Most electronics are not exempt.  There is no exemption that covers tax refunds, and there are issues with money in bank accounts.  I have ranted about this on this blog before. The legislature needs to fix it but they don&#8217;t.<\/p>\n\n\n\n<p>The Minnesota state exemptions are primarily good for one thing.  They allow you to protect lots of equity in your homestead, unlike the federal exemptions which are very limited in that area.  I don&#8217;t think any of the increases here  have kept up with the real rate of inflation; so in fact we seem to be loosing ground.<\/p>\n\n\n\n<p>If you don&#8217;t properly claim any asset as exempt, you risk losing it to the trustee.   It&#8217;s tricky and risky and should not be attempted without a lawyer.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>By Dave Kelly, Minnesota Bankruptcy Lawyer In a Chapter 7 bankruptcy if you want to keep your assets and belongings, they have to be claimed as exempt under an applicable exemption law. In Minnesota there are two exemption laws to choose from, the federal list and the state list. I have written a lot elsewhere &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/mn-bankruptcy.com\/blog\/fresh-increases-in-minnesota-state-exemptions\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Fresh Increases in Minnesota State Exemptions&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":6710,"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":[4,69,12,223,226,1],"tags":[],"class_list":["post-6708","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bankruptcy","category-chapter-13","category-chapter-7","category-exemptions","category-minnesota-state-exemptions","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fresh Increases in Minnesota State Exemptions - Better Call Dave - Bankrupt MN Blog<\/title>\n<meta name=\"description\" content=\"Many of the values in the Minnesota State exemptions will be increase on July 1st of this year. This might affect you.\" \/>\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\/fresh-increases-in-minnesota-state-exemptions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fresh Increases in Minnesota State Exemptions - Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"og:description\" content=\"Many of the values in the Minnesota State exemptions will be increase on July 1st of this year. 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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. If you take a look at the map, you can see that most of St. Louis Park is closer to my office than many parts of Minnetonka.\",\"sameAs\":[\"http:\/\/www.mn-bankruptcy.com\"],\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/author\/davekelly\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Fresh Increases in Minnesota State Exemptions - Better Call Dave - Bankrupt MN Blog","description":"Many of the values in the Minnesota State exemptions will be increase on July 1st of this year. 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