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Credit cards provide consumers with a significant amount of freedom and buying power, but economists agree that there are certain types of financing that everyone should avoid, and credit card debt is at the top of that list. For people who have taken on more consumer debt than they can reasonably manage, there’s Robert A. Schwartz.

Robert A. Schwartz is a debt relief lawyer in Henrietta, a suburb of Rochester, NY. He has been helping clients for more than 30 years, and he primarily handles real estate and bankruptcy cases. If you think you need help getting out of debt, you’ve already taken the first step by admitting there is a problem.

Read on for three tips for preventing credit card debt in the future:

credit card debt

  • Do Not Charge Food Purchases: Using a credit card to purchase disposable items is one of the easiest ways to get into debt. By the time the monthly statement arrives, that food is long gone, but you still have to find a way to pay for it—and any interest on top of it.
  • Do Not Take Cash Advances: Most credit cards offer cash advances, and it might be tempting to take one, but it will only result in transaction fees and a higher interest rate with no grace period whatsoever.
  • Do Not Open Multiple Accounts: There are some great deals out there when it comes to credit cards, especially for people who like traveling and know they can rack up miles fast; however, the more accounts you open, the easier it is to lose track of your outstanding debts and miss a payment. Most consumers do not need more than two credit cards. If you see a good deal for opening a new account, stop and ask yourself if it’s actually worth it in the long run before submitting an application.

If you’re on the brink of bankruptcy or want to get creditors off your back, Robert A. Schwartz can help. He knows how to protect clients in Rochester from wage garnishment and repossession, and he can put a stop to harassing phone calls demanding payment immediately. Check out his attorney profile here, and call (585) 334-4270 to schedule an initial consultation to discuss your credit card debt today.

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