North Dakota residents cannot use the Federal Bankruptcy Exemptions, but may use the Federal Non- Bankruptcy Exemptions listed in the material and the following state exemptions: Benefits: Aid to families with dependent children (unlimited amount): North Dakota Century Code 28-22-19(3); Armed conflict veterans benefits (unlimited amount): North Dakota Century Code 37-27-06; Crime victims compensation (unlimited amount): North Dakota Century Code 28-22-19(2); Desert Storm veterans benefits (unlimited amount): North Dakota Century Code 37-26-06; Social Security (unlimited amount): North Dakota Century Code 28-22-03.1 (4)(c); Unemployment compensation (unlimited amount): North Dakota Century Code 52-06-30; Workers compensation (unlimited amount): North Dakota Century Code 65-05-29; Old age and survivor insurance program benefits (unlimited amount): North Dakota Century Code 59-09-22; Deferred compensation program benefits for public employees: North Dakota Century Code 54-52.2-06.

Insurance: Fraternal society benefits (unlimited amount): North Dakota Century Code 26.1-15.1-18 & 26.1-33-40; Life insurance if beneficiary is insured’s relative and policy was owned over 1 year before filing for bankruptcy (up to $100,000 per policy and up to $200,000 total life insurance and retirement, IRA, or Keogh; unlimited life insurance if needed for support): North Dakota Century Code 28-22-03.1(3); Life insurance proceeds payable to deceased’s estate (unlimited amount): North Dakota Century Code 26.1-33-40.

Miscellaneous: None.

Pensions: Disabled veterans benefits, except military retirement pay (unlimited amount): North Dakota Century Code 28-22-03.1(4)(d); Public employees (unlimited amount): North Dakota Century Code 28-22-19(1); Retirement benefits, IRAs, and Keogh (up to $100,000 per plan and up to $200,000 total
life insurance and retirement, IRA, or Keogh; unlimited if needed for support): North Dakota Century Code 28-22-03.1(3).

Personal Property: Any personal property (up to $7,500, if taken instead of real estate exemption): North Dakota Century Code 28-22-03 & 28-22-03.1(1); Bible and books (up to $100): North Dakota Century Code 28-22-02(4); Burial plots and church pew (unlimited amount): North Dakota Century Code 28-22-02(2), (3); Crops (amount raised on debtor’s land of up to 160 acres; if this exemption is used, debtor may not take advantage of any other alternative exemptions): North Dakota Century Code 28-22-02(8); Food and fuel (amount to last 1 year): North Dakota Century Code 28-22-02(6); Motor vehicle (up to $1,200): North Dakota Century Code 28-22-03.1(2); Personal injury recoveries (up to $7,500; but not for pain and suffering): North Dakota Century Code 28-22-03.1(4)(b); Pictures and clothing (unlimited amount): North Dakota Century Code 28-22-02(1)(5); Wrongful death recoveries (up to $7,500): North Dakota Century Code 28-22-03.1(4)(a); [Note: Any non-head of household who does not claim a crops exemption may claim an additional $2,500 of any Personal Property: North Dakota Century Code 28-22-05. Any head of household who does not claim a crops exemption may claim an additional $5,000 of any personal property or all of the following: North Dakota Century Code 28-22-03: Books and musical instruments (up to $1,500): North Dakota Century Code 28-22-04(1); Furniture and bedding (up to $1,000): North Dakota Century Code 28-22-04(2); Library and professional tools (up to $1,000): North Dakota Century Code 28-22-04(4); Livestock and farm implements (up to $4,500): North Dakota Century Code 28-22-04(3); Tools of a mechanic and business inventory (up to $1,000): North Dakota Century Code 28-22-04(4).]

Real Estate: Real property, house trailer, or mobile home used as a residence (up to $80,000); proceeds for sale of exempt real estate are exempt: North Dakota Century Code 28-22-02(10) & 47-18-01. Wages: 75% of earned but unpaid pensions or wages (judge may allow more for low-income debtors): North Dakota Century Code 32-09.1-03.