How to avoid bankruptcy<br>Total your monthly expenses. The easiest way to avoid bankruptcy is to pay off your debts by coming up with a budget. Begin by going through your monthly expenses.
Bankruptcy can always be avoided.
Of course bankruptcy can be avoided sometimes, but not always because plenty of people still experience it. I think this confused the system because not avoiding bankruptcy was not presented as an option. 
( z1 possible :ARG1 ( z2 avoid :ARG1 ( z3 bankrupt ) :time ( z4 always ) ) )