Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to settle debts if you cannot file bankruptcy [title] Identify your types of debts. [step] Not all debt is created equal. You might be able to negotiate a settlement with some creditors but not others.

Ending1: Before you go into negotiations, think about which pieces of your debt are most valuable. Identifying your debts can help you get the best deal possible in the bankruptcy court. Ending2: For example, the following are common debts people neglect to pay : [substeps] Unpaid child support or alimony. Your child support or alimony is set by a judge and can't be lowered other than by court order. Ending3: Generally, you must pay just one debt at a time. You should identify some of the following types of debt : [substeps] Personal or property: this includes money you borrowed, goods or investments you own or property that you may have purchased, or that might have been sold to others. Ending4: You have the option of filing a settlement yourself, or taking legal action to settle the debt as soon as possible. However, to file a claim with any creditor you must first move to chapter 7 bankruptcy.

Answer format: ending1/ending2/ending3/ending4