This list of exemptions updated December 2009. References are to North Dakota Century Code Annotated unless otherwise noted. Federal bankruptcy exemptions are not available in North Dakota.
Homestead
28-22-02 & 47-18-01 - Real property, mobile home, or house trailer up to $100,000:
Personal Property
28-22-02 - Clothing; fuel and food to last 1 year; bible or other religious texts; books and schoolbooks; family pictures; church pew; burial plots; crops or grain raised on the debtor's land, limited to 160 acres; insurance proceeds for exempt property.
28-22-03.1 - Motor vehicle up to $2,950 ($32,000 if modified for a physically disabled person); personal injury recoveries up to $15,000; wrongful death recoveries up to $15,000; health aids.
28-22-03 - $5,000 of any personal property if head of household not claiming crops or grain.
28-22-05 - $3,750 of any personal property if unmarried with no dependents and not claiming crops or grains.
Wages
32-09.1-.03 - The greater of the following: 40 times the federal minimum wage or minimum of 75% of disposable weekly earnings. Judge may approve more for low income debtor.
Pensions
11 U.S.C. § 522 - Tax exempt retirement accounts; Traditional and Roth IRAs up to $1,095,000 per person.
28-22-03.1 - Disabled veterans' benefits (does not include military retirement pay); annuities, pensions, IRAs, Keoghs, simplified employee plans up to $100,000 each. Together with the insurance exemption under this section total may not exceed $200,000. No limit however if needed for support.
28-22-19 - Public employees.
54-52.2-06 - Public employees deferred compensation.
Public Benefits
28-22-03.1 - Social Security and Veteran's disability benefits.
28-22-19 - Public assistance; crime victims' compensation.
52-06-30 - Unemployment compensation.
52-09-22 - Survivor insurance and old age insurance program benefits.
65-05-29 - Workers' compensation.
Tools of Trade
28-22-03.1(3) - Up to a maximum of $1500, implements of trade, books and tools.
Insurance
26.1-15.1-18 & 26.1-33-40 – Fraternal benefit society benefits; unmatured life insurance contracts except credit life insurance.
26.1.33-40 - Life insurance proceeds payable to the decedent's estate (not to a specific beneficiary).
28-22-03.1(5) - Life insurance surrender value to $8,000 per policy if beneficiary is relative of the insured and the policy has been in existance for more than 1 year before filing for bankruptcy. No limit if needed for support.
Miscellaneous
14-09-09.31 - Child support payments.
Other - Add any applicable Federal Nonbankruptcy Exemptions
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