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everyone today were gonna talk about credit unions and cross-collateralization clauses Im sure thats gonna trip me up so Im sure you want to stay tuned and watch that tongue twister get messed up my name is Norma Douglas I own the Kansas bankruptcy Center located here in Wichita Kansas we help people consumers file chapter 7s in chapter 13s in Kansas so if you have some questions about bankruptcy if you want to know a little bit more you can schedule a free consultation at my bankruptcy meeting.com and that will take you to the scheduling site and you can get on there any point in time and schedule a free consultation so again were gonna talk about credit unions and cross-collateralization clauses what does that mean well first of all when you purchase something from a bank or a credit union you have secured debt and you have unsecured debt if you have a vehicle you have a house something of that nature that is considered a secured debt if you have a credit card a personal loan a