Suckers!  I traded in some secured debt (i.e. my car loan secured by my car) and did a balance transfer over to my new best friend credit union credit card!  As a result the loan is considered “paid off” and the lien holder sent me the clear and free title to my new car.   So now I just need to pay the outstanding balance on my credit card whenever I feel like it and in a worst case apocalypse bankruptcy it’s unsecured debt!

I actually have the cash to pay off the balance but why do that when it’s at a very low interest rate and there’s no rush?     Next move up trading student loans for mortgage debt ;)