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 Management QuestionsMay 9, 2024
Get answers to common debt management questions. Bills.com, your personal finance resource center.
Freeze AccountMay 9, 2024
It is not possible for a third party, such as an ex-spouse to effectuate an account freeze.
You may be thinking of what is called a levy or garnishment.
Credit CARD Act of 2009 InterestMay 9, 2024
The Credit Card Accountability Responsibility and Disclosure Act of 2009 is an amendment to the Truth in Lending Act. It limits the amount your rate can changeâ
Bad Credit LendersMay 8, 2024
Private Lenders for Bad Credit | You have two good options if you have bad credit and need a loan. If you are a home owner, beware hard-money lenders, who...
Mortgage AnalysisMay 8, 2024
Mortgage Analysis | Before taking a mortgage loan make sure that your analyze your financial situation carefully. If your sole source of income is Soc. Sec...
Consolidate Student Loan With MortgageMay 8, 2024
Consolidate Student Loan & Mortgage | You may be able to pay off your student loan with a mortgage refinance, but not a construction loan. Start by checking...
Joint TenancyMay 8, 2024
Joint Tenants With Right of Survivorship | It means all persons listed on the have equal rights to use the property and inherit their share when an owner dies.
Resale Restriction AgreementMay 8, 2024
Learn more about the type of resale restrictions that could apply if you purchased a home classified as below market rate. Learn more about mortgages at Bills.
Characteristics of Subprime MortgagesMay 8, 2024
Read more to learn what characteristics are common to subprime mortgages. Bills.com has the tips, resources and tools to help you save.
Benefits of MortgagesMay 8, 2024
Read more to learn about the benefits of a home mortgage. Bills.com has has informative articles about personal finance and most of all its FREE
Early Termination of LeaseMay 8, 2024
While early termination of your lease could lower your credit score, it should not damage your credit rating to the same degree as a foreclosure on a home. Get
Delinquent Mortgage in ProbateMay 8, 2024
Get help with a delinquent mortgage in probate. See what options are available to you at Bills.com. Find. Learn. Save.
Consolidate All DebtMay 8, 2024
Get more information on consolidating different debts such as vehicles and personal loans.
5/1 ARM interest only mortgageMay 8, 2024
Learn what a 5/1 ARM interest only mortgage is and how it works. Get the information you need at Bills.com.
Bi-Monthly MortgageMay 8, 2024
If you are looking at paying your mortgage bi-monthly -- let Bills.com give you the advice on Bi-Monthly Mortgage payment to save.
Pay Option ArmMay 8, 2024
Let Bills.com help you find the best Option ARM for your Refinance needs so that you can get a low payment and save.
Pick a Pay Mortgage AdviceMay 8, 2024
If you have a pick a pay mortgage and want to know if you are building equity, let Bills.com answer your questions so that you can SAVE!
Best Mortgage CompaniesMay 8, 2024
Let Bills.com help you find the best mortgage companies for YOU!
Combining mortgagesMay 8, 2024
Learn about combining mortgages and if can do it if you have two homes.
Debt to Income RatioMay 8, 2024
Debt to Income | Debt to Income Ratio and be the difference between getting a loan or getting declined. If you get your loan, a high DTI could guarantee high...
What is DTIMay 8, 2024
What is DTI? Find out what DTI (debt to income) is and what your DTI ratio determines when it comes to qualifying for a mortgage
Debt ManagerMay 8, 2024
Looking for debt manager and debt management help? Bills.com can point you in the right direction for a debt manager that will help you save!
Utility Charges After ForeclosureMay 8, 2024
Generally, a consumer who is forced to leave his or her home will contact the utility companies to have utility services such as electricity, gas, and water dis
Help with Business DebtMay 8, 2024
Let Bills.com help you solve your Business Debt Problems so that you can save.
LienMay 8, 2024
What a lien means and how to free yourself from a lien. There are three types of liens: tax liens, mechanics liens, and judgment liens. To resolve a lien...
Repossessed VehicleMay 8, 2024
Learn about the process of repossession and what happens to your vehicle after it has been repossessed.
Get Out of Debt FasterMay 8, 2024
Let Bills.com help you get out of debt faster.
Judgment On Credit ReportMay 8, 2024
If you need more information about judgement appearing on your credit report, Bills.com has more information and useful resources.
Bad Debt SituationMay 8, 2024
If you are struggling with debts and facing a Bad Debt Situation, let Bills.com help show you the way to lower your debts, cut payments and save so that you can
Thousands in DebtMay 8, 2024
Looking for the best resolution strategy for your debts? Let bills.com point you to savings.
Apply for Debt ConsolidationMay 8, 2024
A debt consolidation loan should not negatively affect your ability to obtain a mortgage loan, or harm your credit rating...
One Monthly PaymentMay 8, 2024
Looking for One Monthly Payment and a way to save on your debts? Let Bills.com point you in the right direction and get you debt free fast.
Business debt help and tipsMay 8, 2024
Get free business debt help tips and advice for your company from Bills.com - Find.Learn.Save.
Garnishing PensionMay 8, 2024
Government-administered benefits, such as state pensions and Social Security, cannot be garnished by a judgment. Consult with a lawyer when...
Settling DebtMay 8, 2024
Are you thinking about Settling Debt or getting debt help? Bill has the answers you need to save and settle your debts fast.
Student Loan BankruptcyMay 8, 2024
Student loans are difficult to discharge in bankruptcy. If you can't use bankruptcy to resolve your student loans, look at your other options, including...
FAFSA Loan ConsolidationMay 8, 2024
Struggling with FAFSA loans and loan limits? Let Bills.com answer your FAFSA loan questions so that you can save.
Collection HarassmentMay 8, 2024
Collection Harassment | If your creditor calls your at work to collect on a debt you have options to stop those calls. You should write a letter informing...
US Debt SolutionsMay 8, 2024
The pros and cons of each debt solution or debt consolidation option and how will each affect a credit report.
Credit Card CollectionMay 8, 2024
I have a credit card that I can't afford to pay. Can the creditor seize my tax refund?
California Debt & DivorceMay 8, 2024
California Debt & Divorce | As a practical matter, even in community property states, many creditors do not go to the trouble of suing both spouses, as....
Vehicle RepossessionMay 8, 2024
If you cannot repay the loan on the vehicle you have three choices: Do nothing and face vehicle repossession; allow a voluntary repossession; or negotiate with
Co-Signed Credit Card DebtMay 8, 2024
Read on what you can do to take over responsibility for a debt that was co-signed for. Bills.com blogs about real issues faced by real people.
Lexington Financial SolutionsMay 8, 2024
Lexington Financial Solutions | Lexington Financial Solutions branched out from loan modifications into the debt settlement business in 2009. They don't have...
Debt Settlement Collections After SettlementMay 8, 2024
See what you need to do after you finish a debt settlement program. Bills.com, your one stop resource for personal finance questions and answers.
Consolidate Debt PaymentsMay 8, 2024
Looking to consolidate debt payments and seeking debt help? Bills.com has your answers to debt consolidation.
Being Sued by a CreditorMay 8, 2024
Are you being sued by a creditor? The thought of being sued can be overwhelming. A lawsuit can cause emotional and physical stress. Read on how you can protect
FICO 9 Ignores Medical CollectionsMay 8, 2024
FICO scores will soon start ignoring medical collection accounts, resulting in as much as a 25-point score increase if your credit report has medical...
Foreclosure On One Property Affect AnotherMay 8, 2024
We own two houses. If the bank forecloses on one that has a home equity loan attached to it, can the bank attach that loan to our other house?
Auto Repossession and CollectionMay 8, 2024
What can happen if my car gets repossessed?