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What Creditors Cannot Take

N.D.C.C. § 28-22-02 — family pictures, clothing, a year's provisions and the home are exempt from collection

  • Absolutely exempt: family pictures, a burial lot, a family Bible and the family's books, clothing, apparel up to $5,000, a year's provisions and fuel, and the homestead.
  • A resident may also claim, instead of the homestead, up to $25,000.
  • One vehicle up to $10,000 over liens, or up to $50,000 if modified for a permanent physical disability.
  • Tools and books of the trade up to $10,000, and an unmatured life insurance policy.
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Sources for this section (2)
  1. N.D.C.C. § 28-22-02 — Absolute exemption
  2. N.D.C.C. § 28-22-03.1 — Additional exemptions for residents

Legal information, not legal advice. Verified as of October 2026. Applying it to a particular situation is the work of a licensed North Dakota attorney.

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