Eduardo is feeling overwhelmed with bills and considering filing for bankruptcy. Which step should Eduardo take to make a positive change in his financial situation and avoid filing for bankruptcy?

Debt consolidation combines multiple debts into one payment, which may make bills easier to manage and help Eduardo avoid bankruptcy. The means test helps determine eligibility for bankruptcy, and legal advice may explain his options, but neither directly restructures his debts. Opening a secured credit card could add another payment rather than address the bills he is struggling to pay.

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