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.
Cosigner MortgageApr 1, 2024
There is no requirement that I am aware of that requires a co-signatory on a mortgage be consanguineous.
Selling HomeApr 1, 2024
My new spouse and I each own a house and would like to sell them and buy a different one. How do we negotiate the mortgages?
Capital Gains and IncomeApr 1, 2024
While capital gains is considered as income by the IRS, it does not qualify as income when applying for a mortgage.
Subordination FeeApr 1, 2024
It is very common for the borrower to pay subordination fees. The second mortgage belongs to the borrower and most likely it is the borrower requesting to keep
Will Adding My Name To A Mortgage Help My Credit Score?Apr 1, 2024
Mortgage and Credit Score | Will adding my name to a mortgage help my credit score? Yes, but there are three reasons why you shouldn't.
Non-Resident Alien MortgageApr 1, 2024
It is possible for a non-resident alien to get a mortgage in the US, but it is not as easy as it is if you are permanent resident alien.
Non-Owner OccupiedApr 1, 2024
The term non-owner occupied is applied to a single-family home that is rented to tenants.
Chase Home Finance Address in Newton PAApr 1, 2024
What is the address for Chase Home Finance Address in Newton PA?
Mortgage Comparison Apr 1, 2024
I'm looking into buying my first home and I'm wondering which will have the better effect on obtaining a better interest rate: a bigger down-payment or paying
RV with MoldApr 1, 2024
If the mold is due to something that occurred after you purchased it, you could look into hiring a professional mold removal company to cleanup your RV.
Bigger Down Payment or Smaller Existing DebtApr 1, 2024
What offers a better effect on obtaining a lower interest rate: a bigger down payment or paying off my credit card debt?
Do I Need Mortgage Insurance?Apr 1, 2024
The term 'Mortgage Insurance' can refer to several different insurance products. Read up about your options at Bills.com
Improve Credit to Buy a HouseApr 1, 2024
Learn about the different ways, including credit counseling, that can help you improve your credit so that you can buy a house. Get more credit tips at Bills.c
Construction LoansApr 1, 2024
Free advice on how to get a construction loan.
Mobile Home LoanApr 1, 2024
Should I refinance my Mobile Home Loan or just let them have it.
Right of RedemptionApr 1, 2024
Right of redemption allows former owners who have had a vehicle repossessed or home foreclosed upon to reclaim the property.
Revolving DebtApr 1, 2024
Learn about the difference between simple interest and the interested calculated for revolving debt.
HCA Patient Financial AssistanceApr 1, 2024
HCA hospitals and HCA surgery centers offer charity and discount programs for people who can show they have limited income. If you do not quality, you have...
Garnishment Applied to Wrong AccountApr 1, 2024
What to do if a wage garnishment for a student loan is applied to the wrong account. First, contact the collection agent. Next, consult with a...
Medical DebtApr 1, 2024
The Medical Debt Responsibility Act of 2013, if passed into law, would require credit bureaus to remove settled but formerly delinquent medical debt from...
Remove Cosigner on a LoanApr 1, 2024
I bought a motorcycle. Now, a year later, the finance company won't honor a clause the dealer wrote into the loan. What can I do?
Maryland Collection LawsApr 1, 2024
Learn the statute of limitations for credit card and other debts, and how to apply for a $6,000 account levy exemption available to Maryland residents...
Will a Cease-and-Desist Letter Work With Payday Loan Companies?Apr 1, 2024
I have sent cease and desist letters to three payday loan companies. What will they do now and what should be my next step?
Lexington Law Firm & BankruptcyApr 1, 2024
Lexington Law Firm cannot promise it will remove a bankruptcy from your credit report, but it can say it will try. If you actually filed for BK, don't expect...
Community Debt After DivorceApr 1, 2024
Learn about California Community Property Law and see how it could effect your debt responsibilities if you are going through a divorce.
Consolidate Debt & DivorceApr 1, 2024
Debt consolidation & divorce don't often go together, but there's no reason a divorce should stop you from consolidating debt. How to consolidate debt and...
How to Settle a JudgmentApr 1, 2024
You want to buy a house, but have a judgment against you. How to settle the judgment without spending your down payment.
Stop Debt Collection ThreatsApr 1, 2024
Debt collector threats can be very stressful. Learn what to do if a collector threatens you with arrest, wage garnishment, visiting you at work, or taking...
Domesticate a JudgmentApr 1, 2024
When a creditor domesticates a State A judgment in State B, it is possible that it will garnish the debtor's wages, levy the debtor's bank accounts, or place a
Vehicle Repossession and Summons Apr 1, 2024
I can't afford payments on a repossessed vehicle I co-signed a loan on. The company is now issuing a summons. How can I deal with this?
Creditor Trying to Collect on Forgiven DebtApr 1, 2024
Learn about rules regarding debt charge-off and what the ramifications might be there for you after a debt has been charged off. Bills.com is your one stop res
Tactics Used by Debt CollectorsApr 1, 2024
Debt collectors are infamous for their dirty tactics to trick you into a payment. Learn how to deal with debt collectors with the help of Bills.com
Paying Down DebtApr 1, 2024
If I get a partial lump sum of what I owe to my creditors, which debts should I pay?
Reverse Mortgage GarnishmentApr 1, 2024
Can proceeds from a reverse mortgage be garnished, such as to pay off a debt? The answer is unclear.
Credit Score Medical DebtApr 1, 2024
Medical debt can harm your credit score, but only if the debt is so delinquent it lands in the hands of a collection agent. Take steps to avoid collections...
$60K in DebtApr 1, 2024
I have a small trucking company and have acquired $60,000 in credit card debt.Is there a loan I can get now to minimize the interest rates without hurting my cr
Community Health Systems Financial Assistance ProgramApr 1, 2024
Community Health Systems (CHS)'s 135 hospitals and care centers offer charity and discount programs for low-income people. Talk to a financial counselor in...
Common Non-Law and DebtApr 1, 2024
If I pay an amount on my credit card every month (it is currently 45 days late), can its collections department still call me about the debt?
Borrower Liability after Vehicle RepossessionApr 1, 2024
Borrower Liability after Vehicle Repossession | Because deficiency balances on automobile loans can cause a significant financial hardship and have a strong...
Tennessee Collection LawsApr 1, 2024
Learn the statute of limitations for credit card and other debts, and how Tennessee wage and account garnishment exemptions can shield your assets from...
Oklahoma Collection LawsApr 1, 2024
Oklahoma collection laws are consumer friendly. Learn the statutes of limitations and the standards of proof collection agents must reach to sue a consumer...
Pensions and Credit Card DebtApr 1, 2024
The laws covering what funds are protected against the collection actions of creditors vary from state to state, learn more at Bills.com
Collections on Old DebtApr 1, 2024
How common is it for an automobile to be levied and sold for an unrelated debt? Also, what is a reasonable settlement for $16,000 debt?
Will the TARP Help me with 100K in Debt?Apr 1, 2024
There is nothing currently in the Troubled Assets Relief Program (TARP) to directly assist consumers with rent payments.
Rolling JubileeApr 1, 2024
Collection accounts are bought and sold for pennies on the dollar. An off-shoot of the Occupy movement is raising money to buy & forgive consumer debt...
Can't Pay DebtsApr 1, 2024
Sometimes filing for bankruptcy may be your only option to deal with debts you can't pay, read more at Bills.com
Secured DebtApr 1, 2024
A secured loan is where an object of value is pledged as collateral if the borrower fails to repay the loan. A lender can repossess or foreclose when...
Right of Reinstatement on Vehicle LoanApr 1, 2024
Right of Reinstatement on a Vehicle Loan | Some states allow a person whose car was repossessed to reinstate their loan, if they can catch up on...
Colorado Lien For Credit Card DebtApr 1, 2024
In Colorado, which is a common law family law state, a creditor may not sue both spouses for one spouse's unpaid debts. Jointly held assets...
How to Cancel Automatic ACH PaymentsApr 1, 2024
I have a dispute with a vendor that is debiting my account. If I close that account and open a new one, will the payments stop?