# North Dakota — Wage garnishment limits and exempt earnings by state

For North Dakota, maximum share of earnings a creditor may take is Twenty-five percent of disposable earnings for that week; earnings wholly exempt is forty times the federal minimum hourly wage prescribed by section 6(a)(1) of the Fair Labor Standards Act of 1938; statute is 32-09.1-03. Restriction on garnishment of earnings, verified against its source on 2026-08-30.

- **State:** North Dakota _(our reading, not quoted from the source)_
- **Maximum share of earnings a creditor may take:** Twenty-five percent of disposable earnings for that week _(verified: appears in the quote below)_
- **Earnings wholly exempt:** forty times the federal minimum hourly wage prescribed by section 6(a)(1) of the Fair Labor Standards Act of 1938 _(verified: appears in the quote below)_
- **Statute:** 32-09.1-03. Restriction on garnishment of earnings. _(verified: appears in the quote below)_

## What the source says

> The maximum part of the aggregate disposable earnings of an individual for any workweek which is subject to garnishment may not exceed the lesser of: a. Twenty-five percent of disposable earnings for that week. b. The amount by which disposable earnings for that week exceed forty times the federal minimum hourly wage prescribed by section 6(a)(1) of the Fair Labor Standards Act of 1938, as amended [Pub. L. 95-151; 91 Stat. 1245; 29 U.S.C. 206] or

## Source

- https://ndlegis.gov/cencode/t32c09-1.pdf

Last verified: 2026-08-30. Review by: 2027-02-25.
Part of [Wage garnishment limits and exempt earnings by state](https://referencesource.org/wage-garnishment-exemption-thresholds-by-state/).