North Dakota Bankruptcy Laws

Federal filing fee for Chapter 7 bankruptcy. Fee waivers available for qualifying low-income filers.

Federal filing fee for Chapter 13 bankruptcy.

You must complete credit counseling from an approved agency within 180 days before filing and a debtor education course before discharge.

Chapter 7 filers must pass a means test comparing their income to North Dakota's median income to determine eligibility.

Protects up to $150,000 of equity in your primary residence and the land upon which it sits. This amount was increased from $100,000 effective July 1, 2023.

Protects up to $2,950 of equity in a motor vehicle, or up to $32,000 if the vehicle has been modified to accommodate the owner's disability.

Heads of household may exempt up to $7,500 of any property. Single filers with no dependents may exempt up to $3,750. Filers who do not claim the homestead exemption receive a $10,000 wild card exemption.

Protects household furniture, clothing, provisions for one year, books, crops and grain (160 acres), and other personal property from creditor claims.

North Dakota has elected to opt out of the federal bankruptcy exemptions under 11 U.S.C. § 522(b). Filers must use North Dakota's state exemptions.