Mortgage

What matters isn’t who is living in the house, but how much equity was in the house and if you provided any consideration for the transfer (i.e. money).

In a bankruptcy there is something called a Transfer at Undervalue, and what it says is that if you transferred property prior to filing a bankruptcy and the money received was not equivalent to the current equity value, then you would have problems. In this case as it is a very specific rule that must be applied you would be best to discuss this directly with the trustee they are going to use.