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whats up everybody its norman douglas with the kansas bankruptcy center uh you can find us at .mybankruptcymeeting.com and that website will allow you to schedule free consultation with me so we can talk about your case or your situation and try to figure out what the best way to handle it will be like i said today were going to go over preference payments did i say that if i did not today were going to talk about preference payments and a bankruptcy what is a preference payment typically a preference payments is when you make payments to regular unsecured creditors payments to insiders generally an insider is family member close friends something like that the idea behind unsecured creditors anyway is that kind of everybodys treated equal right so visa mastercard discover whoever they they kind of get equal treatment within the bankruptcy so if you are um secured creditors actually i should say house and vehicles we still have to list those but generally those are those are you k