Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to know when to file bankruptcy [title] Gather all your bills. [step] If you're contemplating filing for bankruptcy, you may feel that your financial situation is spiraling out of control. You may have neglected opening or looking at bills you receive.

Ending1: You may feel that you've tossed away money because of poor credit reports. If you feel that you're in too much debt to pay off overdue bills without going to court, then you should talk to a bankruptcy lawyer or loan officer. Ending2: However, you need to check them now so you can have an accurate understanding of what you owe. [substeps] You'll need to know the status of all of your accounts, including how many days past due they are and the total amount you owe. Ending3: Check your credit reports to identify any outstanding debt or overspending. Determine whether you're able to pay on paper or in installments. Ending4: Then, you might find that you can't afford to have your house repaired. If that's the case, then gather any bills you received from your creditors.

Answer format: ending1/ending2/ending3/ending4