US Trustee Program information on bankruptcy process:
http://www.usdoj.gov/ust/index.htm

Non-profit helps with financial problems, including budgets, money management and debt repayment plans
National Foundation for Credit Counseling:
1-800-388-2227;  www.nfcc.org
Consumer Credit Counseling Services (metro area):
651-439-4840;  www.cccs.org
Consumer Credit Counseling Services (greater MN):
1-888-577-2227;  www.cccs.org
LSS Financial Counseling Service (metro area only):
1-888-577-2227

Recognize problem/compulsive gambling behavior, prevention and education programs and treatment resources in Minnesota.
http://www.miph.org/gambling/  or MN Problem Gambling Help Line - 1-800-333-HOPE (4673)

For comprehensive information on handling credit, go to http://www.ag.state.mn.us/ On the left margin, click on "Publications" for The Credit Handbook.