Trying to intentially "hide" or more money around prior to filing BK, I would think would be a very bad idea.
@John2244 True maybe not hiding, but definitely not a smart move by any means.
Sit down with a good attny before you do anything. There is nothing wrong with pre bankruptcy planning so long as it is done correctly. No one on the Internet is going to be able to tell you what you should or should not do with $20k.