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Federal supplemental exemptions can be used in conjunction with your North Dakota exemptions and can be viewed here.
Also see North Dakota bankruptcy forms.
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ASSET
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EXEMPTION DESCRIPTION
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LAW SECTION
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Homestead
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Real property, house trailer or mobile home to $80,000
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28-22-02(10), 47-18-01
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Insurance
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Fraternal benefits society benefits
Life insurance proceeds payable to deceased’s estate, not to a
specific beneficiary
Life insurance surrender value to $100,000 per policy, if beneficiary
is insured’s relative & owned over 1 year before filing for
bankruptcy; no limit if more needed for support; withERISA-qualified
benefits, IRAs and Keoghs exempt under 28-22-03.1 (except pensions for
disabled veterans), total cannot exceed $200,000
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26.1-15.1-18, 26.1-33-40
26.1-33-40
28-22-03.1(3)
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Miscellaneous
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Property of business partnership
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45-08-02
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Pensions
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Disabled veterans’ benefits, except military retirement pay
ERISA-qualified benefits to $100,000 per plan; no limit if more
needed for support; with insurance exempt under 28-22-03.1, total cannot
exceed $200,000
IRAs to $100,000 per plan; no limit if more needed for support; with
insurance exempt under 28-22-03.1, total cannot exceed $200,000
Keoghs to $100,000 per plan; no limit if more needed for support;
with insurance exempt under 28-22-03.1, total cannot exceed $200,000
Public employees
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28-22-03.1(4) (d)
28-22-03.1(3)
28-22-03.1(3)
28-22-03.1(3)
28-22-19(1)
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Personal Property
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1. All debtors may exempt:
- Bible, books to $100 & pictures; clothing
- Burial plots, church pew
- Cash to $7500, in lieu of homestead
- Crops or grain raised on debtor’s tract to 160 acres (64.75
hectares) on 1 tract
- Food & fuel to last 1 year
- Motor vehicle to $1200
- Personal injury recoveries to $7500 (not to include pain and
suffering)
- Wrongful death recoveries to $7500
2. Head of household not claiming crops or grain may claim $5000 of
any personal property or:
- Books & musical instruments to $1500
- Furniture, including bedsteads & bedding, to $1000
- Library & tools of professional to $1000
- Livestock & farm implements to $4500
- Tools of mechanic & stock in trade to $1000
3. Non-head of household not claiming crops or grain, may claim
$2500 of any personal property
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28-22-02(1), (4), (5)
28-22-02(2), (3)
28-22-03.1(1)
28-22-02(8)
28-22-02(6)
28-22-03.1(2)
28-22-03.1(4) (b)
28-22-03.1(4) (a)
28-22-03.1(4) (a)
28-22-03
28-22-04(1)
28-22-04(2)
28-22-04(4)
28-22-04(3)
28-22-04(4)
28-22-05
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Public Benefits
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AFDC
Crime victims’ compensation
Social security
Unemployment compensation
Vietnam veterans’ adjustment compensation
Workers’ compensation
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28-22-19(3)
28-22-19(2)
28-22-03.1(4) ( c)
52-06-30
37-25-07
65-05-29
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Tools of Trade
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See personal property
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Wages
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Minimum 75% of earned but unpaid wages; bankruptcy judge may
authorize more for low-income debtors
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32-09.1-03
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Wild Card
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See personal property
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