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[Music] everybody John Skiba from the Arizona consumer law group and Im the founder of the consumer warrior project my goal with this video series is really educate you on some of the issues that pop up when youre doing things like bankruptcy or youre being sued by debt collectors and all the other kind of miserable things when it comes to debt collection and debt in general today what I want to talk about is an issue that comes up fairly often and that is when people transfer assets prior to filing bankruptcy case now theres a natural tendency or instinct to you know if youre gonna have to file for bankruptcy you want to protect what you have because you dont want to lose everything you dont want to file for bankruptcy and then be left totally destitute and you know people have nightmares of not having cars or having a home or anything like that and so what some people will do is they will prior to filing bankruptcy they will start you know taking their name off the title two v