Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to file for chapter 13 bankruptcy [title] Decide whether bankruptcy is the best choice for you. [step] If you are in trouble financially, there are a number of things you can do to get yourself back on track. Bankruptcy should be considered your last resort.

Ending1: Bankruptcy is a hard, expensive, and time consuming decision, but you don't have to ultimately assume bankruptcy is going to really hurt you. [substeps] Bankruptcy alone is the simplest, least successful option. Ending2: In general, people file for chapter 13 bankruptcy as a way to stop a home foreclosure. Again, this should be your last resort, so try working with your creditors to find a different solution before resorting to bankruptcy. Ending3: It should be the only legal option for you at this point. The trustee of your trust will look over your debts and evaluate the decisions you made before filing bankruptcy. Ending4: [substeps] Keep in mind that if you ultimately default on bankruptcy, you probably will eventually need to fill out an order called a " judgement of the board. " if you believe you will actually repossess the property, you can simply open a new checking account and file form llc.

Answer format: ending1/ending2/ending3/ending4