Get some legal help before transferring. It could be a BIG problem if the wrong things are "purchased." 11K sounds like enough money to live on for a while, pending a new job, or new business venture. Don't rush to file.
Consult with and retain an experienced bankruptcy attorney to guide you through this process. There are many pitfalls and many ways to lose assets if not properly advised and handled.
The 401(k) loan has repayment terms. If you pay more than required, it would be a reversible preference if your business or you filed a bankruptcy. This is why you need an attorney to assist you. Bankruptcy is a maze, and you definitely need a guide through it.
Yes paying one creditor over another is a preferential payment and can be undone by a trustee. Consult an attorney and hire one. If you are audited by the UST then they look for this kind of thing and in addition it has to be listed in the Statement of Financial affairs. What triggers an audit no one knows. As a general answer do not transfer or do anything prior to filing it is a generally a no no!
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