Wage-garnishment · ND

North Dakota wage-garnishment cap & exemptions

North Dakota's wage-garnishment rule, head-of-family exemption, exempt-property table, and bank-account-levy defense — statute-cited (15 USC §1673 (federal CCPA, pending state-statute research)).

Federal-floor mirror

ND · wage-garnishment + debtor-exemption

North Dakota

Federal-floor mirror

Cap statute: 15 USC §1673 (federal CCPA, pending state-statute research) (opens in a new tab)verified May 11
Head-of-family exemption: Not recognized as a distinct wage exemption.

verified May 11Research-side reviewAnnual attorney review in progress

Wave-3 state — full research + primary-source verification pending Wave-3 ship. Federal CCPA cap (§1673) applies by default; per-state stricter overlay may exist.

Calculate your protected amount

Pre-filled to North Dakota. Add your paycheck details to see the federal §1673 cap and any stricter state overlay.

State
2Paycheck
3Debt type
4Head-of-family
5Result

1Your state

2This paycheck

Pay frequencyGross earnings this pay periodTipped employees: include reported tips in gross.Legally-required deductionsFederal + state income tax, FICA, court-ordered withholdings.Voluntary deductions (informational only)401k, health insurance, union dues — these do NOT reduce disposable earnings for §1673 purposes.

3Debt type

Consumer judgmentCredit card, medical bill, personal loan, deficiency, etc.Child supportSeparate 50%–65% federal cap.Federal tax debtIRS Publication 1494 separate regime.Federal student loanAdministrative wage garnishment — 15% disposable.State tax debtState-specific tax-collection regime.OtherAlimony, restitution, federal-agency offset, etc.

4Head-of-household status

Yes — primary support of dependentsNoNot sure

Fill in your state and paycheck to see your federal + state cap.

Output appears here · all values cite primary-source statute · no inputs are logged

Exempt-property table — North Dakota

The categories below cover what creditors generally cannot reach. Each row carries the controlling state statute. Verify against the current statute text before relying on a specific dollar amount — state legislatures amend exempt-property caps regularly.

North Dakota exempt-property categories — what creditors generally cannot reach. Each row carries the controlling state statute.
Category	Amount / scope	Statute
Homestead	State-statute research pending	—
Motor vehicle	State-statute research pending	—
Wildcard	State-statute research pending	—
Tools of trade	State-statute research pending	—
Retirement	State-statute research pending	—
Public benefits	Federal 31 CFR §212 + state-protection · state-statute research pending	—
Wages already deposited	State-statute research pending	—

Head-of-family exemption

North Dakota does not recognize a separate head-of-family wage exemption beyond the federal CCPA cap (or the state's stricter mirror). If state exemptions leave too little protected in a hard case, the federal §522(d) exemption election available in Chapter 7 bankruptcy may offer broader protection — but that is a separate analysis. See paycheck-protection strategies.

Bank-account levy defense — North Dakota

If your account is frozen, federal protection of SSA-class direct deposits is automatic (no claim required). Other categories require a timely claim-of-exemption filing.

1 · Your state

2 · What's in the frozen account?

Select all that apply.

Recently-deposited wages (last 60 days)Earnings paid into the account from your employer.Social Security / SSI / SSDI / VA / federal benefitsFederal anti-attachment + 31 CFR §212 two-month look-back applies.Unemployment direct depositState-protected; federal anti-attachment overlap.State tax refundState-specific protection varies.Other (unprotected funds)Funds that are not statutorily protected.

What's protected, and what you do next

Select what's in the frozen account to see the procedural pathway. Federal SSA-class benefits have automatic protection; state-protected categories require a timely claim-of-exemption filing.

Free lawyer-referral option — North Dakota

The North Dakota Bar runs a lawyer-referral service offering low-cost (typically $0–$30) 30-minute consultations. Find your local referral service.

Free lawyer-referral option — North Dakota

The North Dakota Bar runs a lawyer-referral service offering low-cost (typically $0–$30) 30-minute consultations. Find your local referral service.

Other Wave-1 states

Citations

15 USC §1673 (federal CCPA, pending state-statute research) (opens in a new tab)verified May 11— Federal CCPA cap applies by default; state-specific stricter rules pending Wave-3 primary-source research. North Dakota's state-statute citation will replace this once verified.