4. a. Notwithstanding any other law to the contrary, the primary and secondary residences of a veteran, service member, or military spouse shall be exempt from levy, execution, attachment, or forced sale for the payment of debts, judgments, or other claims or creditors.
b. The exemption provided pursuant to subsection a. of this section shall apply without a limitation of value for both the primary and secondary residences, provided that ownership of both properties is properly recorded with the county clerk.
c. Subsection a. of this section shall not apply to:
(1) mortgages or voluntary liens placed upon the property;
(2) taxes, assessments, or obligations owed to federal, State, or local government
entities; and
(3) judgments arising from willful misconduct, fraud, or criminal activity of the debtor.
d. If the primary or secondary residence is held by a veteran or service member jointly with a military spouse, the exemption shall extend fully to both parties.
e. Upon the death of a veteran or service member, the exemption for both residences shall continue for the surviving military spouse, provided the surviving military spouse maintains ownership of the residences.