Encumber personal residence / rentals with friendly HELOCs / notes — appear equity-poor to creditors.
Legit equity stripping: max HELOC on personal residence and rentals, deploy proceeds into protected assets (retirement accounts, DAPT, offshore trust, cash-value life insurance). Property now shows 90%+ LTV, unattractive to plaintiff attorneys running asset checks. Cost of HELOC interest is offset by returns on redeployed capital (or Roth conversions, life-insurance premium finance arbitrage). Must be done pre-liability event. Post-lawsuit stripping = fraudulent conveyance.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Wyoming holding LLC (anonymous, charging-order sole remedy) owns operating LLCs — creditors can't seize equity.
Nevada LLC = charging order sole remedy + no income tax + strong anonymity via nominee manager.
One master LLC + unlimited protected sub-series — each property isolated, one annual fee.
Self-settled irrevocable trust in NV/SD/DE/AK — creditor exposure eliminated after 2-year statute.
Cook Islands trust — the gold standard offshore asset protection; U.S. judgments not recognized, 1-year statute.
Nevis LLC — $100K bond required for creditor to sue + 1-year statute + no U.S. judgment recognition.
Married couples in 25 states can title assets so single-spouse creditors can't touch them.
Property title held by trustee for anonymous beneficiary — public records show only the trust name.