WVC 38 - 9 - 6
§38-9-6. Waiver of exemption void.
Any waiver of the rights conferred by this article shall be
void and unenforceable except to the extent that (1) such waiver
is accompanied by a consensual security interest in the property
in which the homestead exemption is asserted and (2) such
security interest cannot be satisfied without encroaching upon
the homestead exemption so asserted.