Giving a gift, or selling for less than true value, can cause problems when done before bankruptcy, but usually only if the amount is large.
When deciding between Chapter 7 and 13, if you choose a Chapter 13 payment plan realize that converting later to Chapter 7 is an option.
If protecting your co-debtor from having to pay your debt is a high priority, Chapter 13 has a remarkable tool for doing that.
If one of your creditors is not included in your “schedules” you risk continuing to owe that debt after your bankruptcy is finished.
As of April 1, 2016 you can have a little more “disposable income” and still pass the “means test” to qualify for Chapter 7 bankruptcy.