🌾 North Dakota Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in North Dakota? Wage garnishment in the Peace Garden State follows federal guidelines. North Dakota has straightforward garnishment procedures for creditors. This guide covers everything you need to know as part of your North Dakota judgment collection strategy.
⚖️ What Is Wage Garnishment in North Dakota?
Wage garnishment in North Dakota allows judgment creditors to collect directly from a debtor’s paycheck. The process is governed by North Dakota Century Code Chapter 32-09.1, following federal CCPA limits.
For creditors working on how to collect a judgment, wage garnishment is effective. Our skip tracing services help locate debtors throughout North Dakota.
💡 Key Point: North Dakota judgments last 10 years and can be renewed. North Dakota follows standard federal garnishment limits.
🏛️ Types of Wage Garnishment
- Consumer Debt Garnishment – Limited to 25% of disposable earnings
- Child Support – Up to 50-65% of disposable earnings
- Tax Levies – ND Tax Commissioner and IRS have broader powers
- Student Loans – Up to 15% for federal student loans
💰 North Dakota Wage Garnishment Limits
North Dakota follows federal CCPA standards. Maximum garnishment is the lesser of:
🔢 Option 1: 25% of disposable earnings
💵 Option 2: Amount exceeding 30× federal minimum wage
📋 North Dakota Exemption Table
| Debt Type | Maximum Garnishment | Notes |
|---|---|---|
| 📄 Consumer Debt | 25% or 30× min wage test | Standard process |
| 👨👩👧 Child Support | 50-65% | Priority over others |
| 🎓 Student Loans | 15% | Administrative process |
| 🏛️ Tax Debt | Varies | Broad powers |
🔍 Need to Find a Debtor’s Employer in North Dakota?
Our employment verification services locate employer information within 24 hours.
Order Employer Search →📋 Steps to Garnish Wages in North Dakota
- Obtain a Money Judgment
Get a ND judgment or domesticate an out-of-state judgment.
- Locate Debtor and Employer
Our North Dakota skip tracing finds employer information.
- File Garnishment Summons
File garnishment summons with the court.
- Serve the Employer
Serve summons on the employer (garnishee).
- Employer Files Disclosure
Employer must respond with employment and wage information.
- Court Issues Order
Garnishment continues until judgment satisfied.
- Monitor Payments
Track payments and file satisfaction when paid.
🔍 Skip Tracing in North Dakota
🏙️ North Dakota Coverage
- Fargo – State’s largest city
- Bismarck – State capital
- Grand Forks – University area
- Minot – Northwest ND
- West Fargo – Growing suburb
🎯 North Dakota Debtor Hiding from Collection?
20+ years helping creditors locate judgment debtors throughout North Dakota.
Start Your Search →⏱️ Garnishment Timeline
Week 1: File garnishment summons
Week 1-2: Serve employer
Week 2-4: Employer files disclosure
Week 4-6: First payment received
🛡️ Debtor Protections
- 30× minimum wage protection
- Exempt income – Social Security, SSI, veterans benefits
- Objection rights – Can claim exemptions
📍 Our North Dakota Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your North Dakota Judgment?
Get Started Today →❓ FAQs
The lesser of 25% of disposable earnings OR amount exceeding 30× federal minimum wage.
10 years, renewable before expiration.
