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North Dakota wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.

North Dakota creators using copyrighted material need fair-use analysis — four-factor test (purpose, nature, amount, market effect) determines whether use is lawful without permission.

North Dakota consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.