If you currently have unbearable debts and are thinking "I can wipe my statement and credit report by declaring bankruptcy," sleep on that thought for a while, as there may be other options available. Try to improve your situation before you investigate the bankruptcy option. No matter which way you go, evaluate the 6 steps listed below to see if you could avoid filing bankruptcy. 1. Detail out all your debts First, look at all your secured debts such as your home mortgage an