Multi-select problem: How does the next paragraph end?

How to negotiate with creditors
Create a budget before you determine what you are able to pay your creditors.
You need to be able to pay your current bills to avoid acquiring more debt. Start by recording and adding up all of your expenditures for a month.

OPT:
[I] This includes necessities like rent, food, other debt payments and utilities, as well as discretionary spending like entertainment and clothing purchases. Subtract this amount from your after-tax monthly income.;
[II] Pay off as many equity as possible with one lump sum of the total amount you earned in three months. Then, put the amount you are able to pay down on your new mortgage on your current mortgage.;
[III] This will include fixed expenses that will eventually be fixed, such as rent. Estimate how much money you expect to accumulate each month.;
[IV] At this point, budget your entire savings and discretionary spending to fill out a statement requiring the one to pay their debts. Depending on your 401 (k) (or account) plan, you may want to gather a series of expenses in addition to your saving expenses.;
[I]