Law Office of H. Christopher Coburn

09/04/2026

While Chapter 7 and Chapter 13 bankruptcies can remain on credit reports for up to 10 years, your borrowing options improve over time. Using secured credit cards and credit-builder loans can help restore your score and secure better loan terms.

Bankruptcy hurts your credit and may make it difficult to qualify for a personal loan — although it’s not impossible.

09/01/2026

Settling past-due accounts can help resolve severe delinquencies, but timing and debt size matter. Before negotiating with creditors or hiring a settlement firm, know your rights under federal credit reporting guidelines to protect your financial recovery.

Learn how debt settlement can impact your credit score and discover strategies to minimize negative effects on your financial health.

08/31/2026

Involved in a multi-vehicle accident? Comparative negligence rules determine how fault is divided and how much compensation you can recover. Learn how pure vs. modified fault laws impact auto crash claims.

Comparative negligence is a principle of tort law commonly used to assign blame and award monetary damages to injured parties in auto accidents.

08/28/2026

A bankruptcy discharge gives you a fresh start, but rebuilding your credit takes proactive steps. From checking credit reports for discharged account errors to opening secured credit tools, taking control helps restore long-term stability.

https://www.experian.com/blogs/ask-experian/how-to-recover-from-bankruptcy/?

Recovering from bankruptcy takes time. Learn how to rebuild credit, manage money and create a stronger financial foundation.

08/26/2026

After a vehicle collision, understanding your rights regarding compensation for medical expenses and lost earnings can impact your overall recovery. Knowing when a claim involves complex issues like permanent injury or disputed fault helps protect your financial well-being.

Expert accident resources built on real first responder experience from firefighters and paramedics.

08/25/2026

Are you responsible for a deceased family member's debts? Unless you co-signed or shared the account, debts are generally paid from the estate—not your personal funds. Learn how to protect your rights when debt collectors call.

When a loved one dies, you may learn about debts they owed before they died. You may not recognize these debts. If you are a surviving spouse or family member, you may even wonder if that debt now belongs to you. This is a very common experience among survivors.

08/21/2026

The moment you file for bankruptcy, the court issues an "automatic stay." This legal protection immediately halts wage garnishment, foreclosure, and debt collection efforts. Discover how an automatic stay protects your assets while you work toward a fresh start.

https://www.investopedia.com/terms/a/automaticstay.asp

08/18/2026

Don't let skyrocketing interest rates and mounting bills keep you trapped. Personal bankruptcy filings are up because the process offers real, legal protection from creditors and a true path to recovery. Find out how you can take back control of your finances today.

https://moneywise.com/managing-money/debt/personal-bankruptcy-filings-rising-americans-debt

08/18/2026

Involved in a car accident? Knowing what steps to take—from securing a police report to documenting scene evidence—can significantly impact your insurance recovery. Read this guide to protect your rights after a crash:

Learn how to file a car insurance claim with this expert guide. Get tips on documenting damage, working with adjusters, and maximizing your settlement.

08/17/2026

Failing to report a car crash can jeopardize your legal rights and leave you responsible for unexpected costs. Most state laws and insurance policies require prompt reporting whenever an accident involves injuries or property damage above a certain limit. Official accident records help verify the facts and ensure your insurance coverage remains valid.

Criminal charges, license suspension, insurance denial — the serious consequences of failing to report a crash.