North Dakota bankruptcy laws help you pay back creditors easily. Know about the properties you can protect.
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North Dakota Bankruptcy Laws


Debtor's residential home and land over it is exempted up to the extent of $ 80,000. And $ 7,500 in lieu of homestead.


Earnings of the person up to the extent of 60 days if reasonably required for support of the debtor or his/her dependent. And disposable earnings up to 75% or 40 times the federal minimum hourly wage rate whichever will be the greater.

Personal Property:

Personal property is exempted up to the extent of $ 2,500. And $ 5,000 if the person has any reasonable claim.


One vehicle up to the extent of $ 1,200. And a sum of $ 32,000 for vehicle modified for disabled person.

Household and Kitchen Furniture:

Household and Kitchen furniture up to the extent of $ 1,000.

Professional Tools of Mechanic:

Tools, implements of mechanic required in carrying on trade or profession is exempted up to the extent of $ 1,000.

Professional Books and Implements:

Professional Books and Implements are exempted up to the extent of $ 1,000.

Payments on Wrongful Death or Bodily Injury:

Amount convincingly reasonable as compensation debtor & dependents up to the extent of $ 7,500 not including pain and suffering or pecuniary loss.

Total or Absolute Exemptions for:

  • Unemployment and Workmen's Compensation Benefits.
  • Reinstatement for wrongful deaths.
  • Life Insurance and Mutual Aid Contracts.
  • Social Security Benefits.
  • Awards to Crime Victims.
  • Child Support.
  • Specific Interest in Partnership Property.

Court's Address: 655 1st Avenue North, Suite 210, Fargo North Dakota 58102-4932

Court's Phone Number : 701-297-7100

Court's Email Address:

Court's Hours: 8:00 AM to 4:30 PM

Jurisdictional Counties: All Counties

Court Locations: Bismarck, Fargo, Grand Forks, Minot

Hon. William A. Hill (Chief Judge, U.S. Bankruptcy Court)
655 First Ave., N. Fargo, ND 58102
(701) 297-7140

Dianne G. Schmitz (Bankruptcy Clerk, U.S. Bankruptcy Court)
655 First Ave. N., Suite 210 Fargo, ND 58102
(701) 297-7112

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  • The debt settlement program typically lasts between 6 months to 4 years time.
  • At least 30% of the debt amount per creditor needs to be accumulated in the trust account for OVLG to give the creditor any settlement offer.
  • Not all creditors or debt collectors will accept a reduction in the balance, interest rate, or fees a customer owes such creditor or debt collector.
  • Pending completion of the represented debt-relief services, the customer's creditors or debt collectors may pursue collection efforts, including initiation of lawsuits.
  • That the use of the debt-relief service will likely adversely affect the consumer's creditworthiness, may result in consumers being sued by their creditors, and may increase the amount owed to creditors as a result of the accrual of additional fees and interest.
  • Savings a customer realizes from use of a debt-relief service may be taxable income.

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