[header] How to avoid bankruptcy [title] Total your monthly expenses. [step] 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. 
You can either write down a list of monthly expenses or look at your credit card and debit card statements for the past six months. Common monthly expenses include the following : [substeps] Rent or mortgage utilities food health care insurance transportation child care expenses minimum debt payments [title] Add up your monthly income.