State Debt Laws
North Dakota Debt Collection Laws
Garnishment limits, exemptions, and consumer protections specific to North Dakota
North Dakota (ND) - At a Glance
| State Consumer Protection Law | North Dakota Consumer Fraud Act |
| Source | N.D. Cent. Code ยง 51-15-01 et seq. |
| Covers Original Creditors? | No - third-party collectors only |
| Max Wage Garnishment | 25% of disposable earnings (federal minimum; may be lower) |
| Bank Levy Exemption | $2,500 in bank |
| Homestead Exemption | $100,000 |
Key Protections in North Dakota
- FDCPA applies to third-party collectors
- Higher bank account exemption ($2,500)
- Consumer Fraud Act covers deceptive practices
Wage Garnishment in North Dakota
After a court judgment, creditors in North Dakota can garnish up to 25% of your disposable earnings (earnings after legally required deductions). This is the federal cap - North Dakota follows federal law on this limit.
Exempt from garnishment: Federal benefits (Social Security, SSI, VA benefits) cannot be garnished by private creditors regardless of state law.
File a Complaint in North Dakota
If a debt collector violates the FDCPA or North Dakota Consumer Fraud Act:
- File with the North Dakota Attorney General
- File with the CFPB
- Consult a consumer attorney (FDCPA violations = attorney fees paid by collector)
North Dakota Debt Resources
SoL
North Dakota Statute of Limitations
Credit card, medical, auto, and personal loan SoL in North Dakota.
View SoL →Free Tool
SoL Date Calculator
Calculate the exact SoL expiration date for your debt.
Check SoL →FDCPA
Federal Collector Rules
What debt collectors can and can't do under federal law.
Read Guide →