Mark Cappel
Mark Cappel has edited magazines, web sites, and books for IBM, IDG, and Prentice Hall for the last 25 years. He earned a degree in law in 2006, and puts his law school lessons and editing experience to work every day in creating content for Bills.com that is accurate legally, yet easy to understand. When he's not in front of a computer, Mark is an amateur actor, a swordsman, and a Gate Dept. volunteer at Burning Man.
Debt DischargeApr 26, 2024
Debt Discharge information from Bills.com
Garnish Military PensionApr 26, 2024
VA benefits and military pensions are not subject to execution, levy, attachment, garnishment, or other legal process. However, there are exceptions for child s
Chapter 7 & RepossessionApr 26, 2024
Filing for bankruptcy protection creates an 'automatic stay' that prevents creditors from proceeding with any collection action on debts owed by the bankruptcy
Should I Settle or Enter CCCS ProgramApr 26, 2024
Learn about the pros and cons of Consumer Credit Counseling Service (CCCS) when compared with a debt settlement program, all at Bills.com
Divorce & HouseApr 25, 2024
I am not aware of any waiting period in any state that person must wait before refinancing or securing a new loan following a divorce. Start your shopping now.
Wells Fargo scam?Apr 25, 2024
Wells Fargo Scam? | It is not a scam to charge for an appraisal up-front. Before paying for an appraisal, you should be confident that your value...
Deceased Ex-spouse and MortgageApr 25, 2024
At death, the mortgagee will want the joint mortgagor to continue making payments. Since you are listed on the mortgage, you will be responsible for the paymen
Mortgage CosignerApr 25, 2024
Mortgage Cosigner | A mortgage cosigner should carefully consider the risk of assuming full responsibility on the loan. Lenders require the primary borrower..
Lease to Own RentalsApr 25, 2024
Can I offer a least to own rental agreement?
Credit Check MortgageApr 25, 2024
Whether your bank does a second credit check after you qualify for a mortgage is really up to your bank.
Consolidate Debt With New MortgageApr 25, 2024
The mortgage party is over, and scrupulous mortgage brokers who now need to pass a federally administered examination to work in the field play by the book.
Mortgage LienApr 25, 2024
Mortgage Lien | If there is a deficiency balance after foreclosure, the lender may seek a judgment and personal liens. Check your states anti-deficiency laws...
Hard Money LendersApr 25, 2024
Hard money lenders provide short-term secured loans for people who need funding for tactical purposes. Hard money loans can bridge loans...
Predatory LendingApr 25, 2024
Predatory lending practices are not only dishonest, they cost consumers thousands of dollars. Learn more about predatory lending and how to avoid it.
2008 Mortgage Regulation ChangesApr 25, 2024
The new mortgage regulations from Fannie Mae and Freddie Mac can affect approval on your home loan. Get up-to-speed today.
Private Mortgage InsuranceApr 25, 2024
Private mortgage insurance isn't necessary for all homeowners. Learn how to cancel your PMI
Settled for Less Than Full BalanceApr 25, 2024
An account marked as 'Settled for less than full balance' will be a negative mark on a credit report.
Debt DivorceApr 25, 2024
Debt Divorce | Sort out your debt problems before a divorce. If you are stuck with debt, then learn your debt relief options to solve your post-divorce...
Debt Validation & Mann Bracken debtApr 25, 2024
Mann Bracken Debt and Validation | Most consumer debt contracts give the original and subsequent creditors the right to assign the debt. Without validation...
Divorce and Debt TroubleApr 25, 2024
Have your debts piled on because of a divorce? read more about divorce and debt trouble at Bills.com
Divorce DebtApr 25, 2024
Divorce Debt | Divorce decrees do not cancel previous loan agreements. You will be responsible for previous joint debt, so if you do not take your name off....
Buy a Car vs. Pay-off Credit CardApr 25, 2024
A newer car would be nice, but it makes more sense economically to apply the amount you would be paying for a new car to retire the credit card debt.
Second Mortgage Student LoanApr 25, 2024
Student Loan | Weigh the cost of a refinance or second mortgage before refinancing a student loan.
Collection Calls On Old DebtApr 25, 2024
How to handle collection calls on 12-year-old debt. Your state statute of limitations and federal law set the rules collection agents must follow. Step 1 is...
Negotiate Judgment SettlementApr 25, 2024
In Ohio, the maximum legal interest rate that a judgment-creditor can charge is the short-term Treasury rate plus 3 percent.
Debt PointerApr 25, 2024
Debt Pointers from Bills.com can help you Save and Get Debt Free Fast.
Consolidate Debt into One Monthly PaymentApr 25, 2024
If you are seeking to Consolidate Debt into One Monthly Payment, let Bills.com help you find the best solution for your needs so that you can get a low payment
Foreclosure and BankruptcyApr 25, 2024
Foreclosure and Chapter 7 Bankruptcy | Look for alternatives to foreclosure, such as a deed in lieu of foreclosure. Before looking to bankruptcy, consult with..
American Express Debt SettlementApr 25, 2024
American Express | If the creditor sends you an unsigned document it may not be considered a contract, but instead may be considered an offer or counter-offer.
Bankruptcy ProtectionApr 25, 2024
Advice you need on bankruptcy protection, and how bankruptcy can help delay foreclosure.
Bankruptcy, Reaffirmation, & Short SaleApr 25, 2024
If a debtor never reaffirmed a mortgage, then he or she has no personal liability for the mortgage. Therefore, a short sale is unnecessary to avoid liability fo
Best Debt OptionsApr 25, 2024
We will quickly find the best debt consolidation options for you to get debt free fast.
Domino StrategyApr 25, 2024
The domino strategy retires debt at the lowest cost in interest. It is also effective because it tends to build a person's credit score. I think your plan is so
Find AttorneyApr 25, 2024
Find Attorney | Ask your friends and family if they have any recommendations. Learn about some of the key questions to ask an attorney before hiring, and ...
Charge Offs & SettlementApr 25, 2024
You can reach a debt settlement before charge-off. A quick settlement benefits both sides, and may cause less damage to your credit score...
Cable Bill ConsolidationApr 25, 2024
Can Cable bills be consolidated?
Old Judgment CollectionApr 25, 2024
A creditor is garnishing my wages for a debt that is 10+ years old. How is this possible?
Get It In WritingApr 25, 2024
It is unwise to believe the promises of a negotiator who refuses to put a settlement agreement in writing. Our advice? Get it in writing!
Sell TimeshareApr 25, 2024
Sell timeshare | Selling a timeshare is difficult. Prices are low and it is a buyer's market. Free tips on how to sell your timeshare from bills.com.
Target VisaApr 25, 2024
Target National Bank may increase your interest rate to the default rate if you ever charge over your credit limit or miss your payment due date.
Spousal Support and Credit Card DebtApr 25, 2024
Spousal Support and Credit Card Debt | Changes in spousal support payments should be authorized by the courts. Unilateral action by the one party can cause...
Discharge and HELOCApr 25, 2024
Bankruptcy Discharge and HELOC | Ask an attorney what to do about the HELOC and see if it can be discharged in your bankruptcy. If you chose to do a lump-sum...
Citibank Hardship ProgramApr 25, 2024
Citibank Hardship Program | If you are having problems paying back your credit card debt, then speak to your bank. Citibank has a hardship program, but you...
Vermont Collection LawsApr 25, 2024
In Vermont, the statute of limitations for open accounts (credit cards) is three years, and written contracts have a statute of limitations of six years.
Debt After DeathApr 25, 2024
You have no personal liability for a deceased spouse's debt if you reside in a common law state. However, the law is more complicated if you reside in a...
Frozen Bank AccountApr 25, 2024
Frozen account| An out-of-state judgment creditor can freeze an account only if it domesticates the judgment first.
Enforcing Out-of-State JudgmentApr 25, 2024
Questions concerning enforcing judgments across state borders are difficult to answer with general, one-size-fits-all replies. The facts in each case are signif
Summons for American Express DebtApr 25, 2024
American Express wants a resolution to your debt now. Negotiating a lump-sum settlement is a compromise that will clear the debt from American Express's books a
Bankruptcy Divorce and Underwater HomeApr 25, 2024
Your ex-spouse filing for bankruptcy can affect you, if you left your ex on the title to the home. Review how bankruptcy and divorce can affect you, when your h
California Clerk JudgmentApr 25, 2024
Clerk Judgment | California law allows a court clerk to enter a default judgment against the defendant without a court hearing or judicial action