Question

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?
eduardo should complete the means test. eduardo should consider debt consolidation. eduardo should seek advice from a lawyer. eduardo should open a secure credit card.

Explanation:

To avoid bankruptcy, debt consolidation combines multiple debts into one, often with a lower interest rate, helping manage payments. A means test is for bankruptcy eligibility, a lawyer advises on legal aspects (not direct financial improvement), and a new credit card may add debt.

Answer:

B. Eduardo should consider debt consolidation.