A secured party does not owe a duty based on its status as secured party:(1) To a person that is a debtor or obligor, unless the secured party knows:(A) That the person is a debtor or obligor;(B) The identity of the person; and(C) How to communicate with the person; or(2) To a secured party or lienholder that has filed a financing statement against a person, unless the secured party knows:(A) That the person is a debtor; and(B) The identity of the person.
West Virginia Legal Code