Loading chat...

WV HB4535

Bill

Official Source

Status

Introduced

1/19/2026

Primary Sponsor

Gary Howell

Click for details

Origin

House of Delegates

2026 Regular Session

AI Summary

  • Protects head of household wages up to minimum wage (calculated at 40 hours/week, 52 weeks/year) from garnishment, with wages above that threshold still subject to collection
  • Exempts the first $5,000 of assessed homestead value used exclusively as the owner's residence from creditor collection
  • Shields tax-advantaged retirement accounts (Roth IRA, IRA, 401k) and prepaid college funding accounts from judgment or garnishment
  • Protects annuities, life insurance proceeds (including cash surrender value), disability benefits, death benefits, and Social Security income from collection
  • Applies only to permanent West Virginia residents for defaults on consumer credit or installment obligations

Legislative Description

Provide certain classes of property protections from creditor collections

Consumer Protection

Last Action

To House Judiciary

1/19/2026

Committee Referrals

Judiciary1/19/2026

Full Bill Text

No bill text available