Eduardo is feeling overwhelmed with bills and considering filing for bankruptcy. Which step should Eduardo take to make a positive change in his financial situation and avoid filing for bankruptcy?

Debt consolidation combines multiple debts into one payment, which may make bills easier to manage and help Eduardo avoid bankruptcy. Seeking a lawyer’s advice can explain his legal options, but it does not itself change his debt payments. A means test is part of determining eligibility for certain bankruptcy filings, rather than a step to avoid filing.

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