For all those opening your first line of credit, listen up. As bankruptcy attorneys in Las Vegas, we know what can happen when credit gets out of hand. It is an understatement to say owning a credit card is a massive responsibility.

However, if properly managed, credit can enrich your life. Whether using the card to buy a car or home, strict management over your credit card is key.

Avoid declaring a later bankruptcy—Las Vegas or elsewhere— with these helpful tips for first time credit card users:

Your debt has gotten out of hand. Creditors are calling you every week, maybe every day. Wages are being garnished from your bi-weekly paychecks, which only adds to your anxiety. How will you pay your mortgage or rent this month? You barely have enough for a few groceries.

When you decide on filing for bankruptcy and contact a lawyer, the anxiety immediately stops. By law, creditors must stop calling, your wages are no longer snatched up, and you can take a breath. You can have a new start. This is it.