Multi-choice problem: Continue writing the next sentence in this paragraph:

How to settle debts if you cannot file bankruptcy 
Identify your types of debts. 
Not all debt is created equal. You might be able to negotiate a settlement with some creditors but not others.

Pick from: (a). 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.; (b). For example, the following are common debts people neglect to pay : 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.; (c). Generally, you must pay just one debt at a time. You should identify some of the following types of debt : 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.; (d). 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.;
(b).