Virginia

The state of Virginia is a pro-creditor, and gives very little protection to debtors.

Washington

The state of Washington, like most western states, gives nominal protection to creditors but some protection to properly structured insurance arrangements.

West Virginia

West Virginia tends to be pro-creditor state and offers little protection for homestead but some protection for life insurance.

Wisconsin

As is the case of several Midwestern states, Wisconsin’s creditor exemptions are typical. There is a nominal homestead exemption, and life insurance is protected only if the policy’s beneficiary is a dependent of the policy owner.

Wyoming

It has been said that the state of Wyoming planted the seed for the expansion of asset protection strategies. In 1977, Wyoming was the first state to adopt a true Limited Liability Company Act, which was modeled after the German Gesellschaft mit beschrnkter Haftung (GmbH), which, literally translated, means "Private Limited Company."

Like most western states, Wyoming’s creditor protections are typical. There is little protection for homestead, while there is some protection for properly structured life insurance arrangements, but not much more.

District of Columbia

The District of Columbia has an expansive homestead exemption, and protects properly-structured insurance and annuity contracts .

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