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Bankruptcy in North Dakota: Exemptions and Filing Guide

State-specific bankruptcy exemptions and filing information for North Dakota. These exemptions determine what property you can keep when filing Chapter 7 bankruptcy.

Data last updated: Jan 15, 2025

Key Takeaways

  • Homestead exemption: $100,000.
  • Vehicle exemption: $1,200 (or $32,000 for vehicle modified for disability).
  • Must use state exemptions (no federal option).
  • Attorney fees: $1,000–$1,800 (Ch. 7) / $2,500–$4,000 (Ch. 13) typical.
$100,000 Homestead exemption
$1,200 (or $32,000 for vehicle modified for disability) Vehicle exemption
No Federal option
$338 (Chapter 7) / $313 (Chapter 13) Filing fee

North Dakota Bankruptcy Exemptions

  • Homestead$100,000
  • Vehicle$1,200 (or $32,000 for vehicle modified for disability)
  • Personal property$5,000 household goods
  • Wildcard$7,500 (in lieu of homestead)
  • Federal exemptionsNot available

Means Test: North Dakota Median Income

To qualify for Chapter 7 in North Dakota, your income must be below the state median or you must pass the means test showing no disposable income for creditors.

  • 1 person$62,200
  • 2 people$78,800
  • 3 people$92,000
  • 4 people$107,400

Filing Costs

  • Court filing fee$338 (Chapter 7) / $313 (Chapter 13)
  • Typical attorney fee$1,000–$1,800 (Ch. 7) / $2,500–$4,000 (Ch. 13)
  • Court districtsDistrict of North Dakota

North Dakota bankruptcy court

Related Resources

Frequently Asked Questions

  • What is the homestead exemption in North Dakota?

    North Dakota allows a $100,000 homestead exemption for your primary residence.

  • Does North Dakota allow federal exemptions?

    No. North Dakota requires debtors to use the state exemption system.

  • What is the wildcard exemption in North Dakota?

    Non-homeowners can use a $7,500 wildcard in lieu of the homestead exemption to protect other property.

  • Are farming assets protected in North Dakota?

    North Dakota provides specific exemptions for farming equipment, seed, and crops, recognizing the importance of agriculture in the state.

Legal Disclaimer: FreeNetLaw provides general legal information, not legal advice. The information on this site is not a substitute for consultation with a licensed attorney. Laws vary by jurisdiction and change frequently. Always verify information with official sources and consult a qualified attorney for advice about your specific situation.

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