Task: Text Completion
Input (English): [header] How to avoid chapter 7 bankruptcy [title] Create a budget. [step] To avoid bankruptcy, you first need to live within your means. Create a detailed budget and live by it. <sep> (A) To begin, you should list all your monthly expenses, including your current debt load. Look at the last six months and write down everything you spend money on. (B) Look up the following to help you make it easier : [substeps] Start with the essentials first. Your expenses should be about the same, and you can find these items on your bank statement. (C) For example, if you have $80.00 in monthly payments, you need to reduce this to $7 , 000 each month. If you have more, and you need more money to move forward, use a savings account instead. (D) Give yourself a piece of paper and pencil and outline everything you need to budget. [substeps] Discretionary spending can be very helpful.
Output (English): A