You are in debt to three creditors for $200 000, and the debt is increasing because you are not able to meet your monthly financial obligations. Which of the following is false with regard to your situation? a) If your long-time financial well-being would be served by bankruptcy, you must ask your creditors to begin the procedure; you cannot begin it yourself. b) If you become bankrupt, your assets are conveyed to a trustee in bankruptcy who deals with them for the benefit of your creditors. c) It is illegal for you to transfer assets to a spouse or friend to shield them from your creditors d) If you become bankrupt, you are restricted from carrying certain activities until you are discharged