North Dakota Bankruptcy Overview
North Dakota offers bankruptcy protections including a $100,000 homestead exemption and the choice between state and federal exemptions.
2026 North Dakota Median Income
| Household Size | Annual Median Income |
|---|---|
| 1 Person | $73,549 |
| 2 People | $96,352 |
| 3 People | $106,686 |
| 4 People | $137,817 |
North Dakota Exemptions
Homestead Exemption: $100,000
North Dakota protects up to $100,000 of equity in your primary residence.
Vehicle Exemption: $3,450
North Dakota allows you to protect up to $3,450 of equity in one motor vehicle (or $3,900 for vehicles designed or equipped for disabled persons).
Personal Property
- Household Goods: Up to $10,000 for clothing, furniture, and appliances
- Books and Tools: Up to $1,000 for books and $2,000 for tools of trade
- Crops and Grain: Up to $7,500 for head of family
- Retirement: Unlimited for qualified plans
North Dakota Bankruptcy Court
Official court website: U.S. Bankruptcy Court for the District of North Dakota (www.ndb.uscourts.gov) — the official source for local rules, filing locations, hearing schedules, and court forms.
Fargo: 655 First Avenue North, Fargo, ND 58102
Cost of Filing
Attorney fees in North Dakota: $1,000-$1,600 for Chapter 7; $2,600-$3,900 for Chapter 13.
Disclaimer: Consult with a licensed North Dakota bankruptcy attorney for advice specific to your situation.