Mark Cappel

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.

Land LoanJan 22, 2010
If you have a conventional mortgage on a home built on 20 acres of land, then you can refinance assuming you have a good credit history, a stable income, and a
Multiple Credit InquiriesOct 9, 2007
Have multiple inquiries on your credit report? Bills.com has more information on how it works. Find. Learn. Save.
Chase Bank Contact InformationFeb 16, 2010
I need to speak with someone regarding my Chase mortgage can you help me?
Should I Close My Credit Card AccountsJan 22, 2010
I have a few credit cards that do not have a balance and they are charging me an annual fee of $50, should I close my account?
Personal Debt CollectionAug 10, 2010
Personal Debt Collection | When a debt collector contacts you, it is important that you don't ignore the situation. Some collectors can come to your home or...
Utah Collection LawsJan 4, 2011
Utah Collection Laws | If you are in Utah and a creditor obtains a judgment against you, you face garnishments and levies. Learn how to...
Repay Gambling DebtApr 2, 2013
Some state courts will hear cases relating to gambling debt, and others will not. Failure to pay a casino marker may fall under a state's bad check laws...
Divorce and Debt TroubleSep 28, 2007
Have your debts piled on because of a divorce? read more about divorce and debt trouble at Bills.com
Cancer InsuranceJan 29, 2010
Assistance for Cancer Treatment | A few hospitals and other non-profit medical facilities receive funds from the federal government so they can offer free or...
Maryland Collection LawsMay 31, 2013
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...
Delinquent Utility & MortgageAug 20, 2009
I found out I had a utility collection on my credit report and paid it off immediately. Will my husband and I still be able to get another home mortgage?
CreditGuard of America - Credit Guard Advice and Consumer Debt SolutionsOct 5, 2007
See what Bills.com has been asked in the past about Credit Guard of America and Consumer Debt Solutions.
Getting a Mortgage LoanDec 1, 2010
Looking for a mortgage refinance loan or ways to get a great rate? Bills.com has all the information and savings you need.
Spouse Not On MortgageAug 25, 2010
The letter to the county clerk is often just called 'recording instructions' or something equally non-descriptive. It is prepared by the title company or escrow
Co-Signed LoanOct 5, 2007
Co-signers on loans in default have several options to avoid damage to their credit score...
0% Credit CardSep 10, 2007
If you are seeking a 0% credit card or loan, let Bills.com help you save fast.
First Mortgage PaymentNov 2, 2009
Want to know how to make a mortgage payment for the first time?
Dealing with Charged Off Debt AccountsJun 19, 2008
If your credit report has charge-off accounts on it, let Bills.com get you the advice you need to clean up your credit report.
RESPA & Escrow AccountMay 28, 2010
Under RESPA, a mortgagee is allowed to require an escrow account as a condition of you, the mortgagor, doing business with it.
When to Refinance a MortgageJun 23, 2008
If you are trying to find the best reason to refinance your home, let Bills.com get you the advice and resources you need to get the best timing on your refinan
Mortgage CalculatorAug 4, 2010
Mortgage Calculator | Mortgage Calculator tips from bills..com Use our easy-to-use mortgage calculator to see which which mortgage loan is best.
Beacon ScoreJun 7, 2007
Let Bills.com help you improve your Beacon Score and your credit profile, fast.
Divorce and Credit ReportMar 19, 2010
Divorce and Credit Report | What can I do about my ex-husband not making the mortgage payments? My divorce is wreaking havoc on my credit report, and I want...
Insurance BasicsDec 1, 2010
Gain a better understanding of insurance and what's involved from Bills.com - your source for saving money.
Consolidate Debt Collector AccountsApr 14, 2014
In theory, you can consolidate all accounts that are with debt collectors into one account. As a practical matter, you may not be able to. Here are ways to...
Default PaymentFeb 12, 2010
Default Payment | It is imperative that you show evidence to the attorney who filed suit against you to show you are current in your payments to the original...
FAFSA Loan ConsolidationMay 1, 2007
Struggling with FAFSA loans and loan limits? Let Bills.com answer your FAFSA loan questions so that you can save.
Rolling JubileeNov 21, 2012
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...
Consolidating Debt and Qualifying For A MortgageMar 22, 2010
If I consolidate my debt with a loan will this hurt my ability to get a mortgage?
Kansas Collection LawsMay 13, 2010
A Kansas judgment is a declaration by a court that the creditor has the legal right to demand a wage garnishment, a levy on the debtor's bank accounts, and a li
One Spouse on MortgageOct 16, 2012
There are three reasons to consider a joint mortgage, and five reasons for one spouse on a mortgage. This Bills.com article explores the...
Charge OffMay 27, 2014
A charge-off will appear on your credit report and harm your credit score. If an account is charged off, you still have an obligation to pay the debt.
Debt to Income RatioJun 26, 2007
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...
Bad Credit Unsecured Loans Mar 12, 2012
Unsecured Loans for People with Bad Credit | Bad credit loans to address a short-term need have long-term consequences. Watch out for predatory lenders, ...
Should I Dispute A Collection Account?Mar 22, 2010
Should I dispute a collection account if I know I owe the debt?
Building Credit From ScratchApr 30, 2009
A quick overview on credit scoring and 6 simply ways to build and maintain credit from scratch.
Summons for American Express DebtSep 13, 2010
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
Debt PointerJul 12, 2007
Debt Pointers from Bills.com can help you Save and Get Debt Free Fast.
Mortgage Foreclosure MichiganApr 22, 2010
Michigan is a recourse state, and a mortgagee can foreclose judicially or non-judicially. Learn more about your rights and liabilities at Bills.com
Owe IRSAug 6, 2007
Let bills.com help you resolve your IRS Tax debt so that you can save.
Mortgage, Note, Deed, & TitleNov 9, 2010
Mortgage Note, Deed and Title | A mortgage loan almost always includes a personal note and deed on the property. If there is a discrepancy between...
Mass RefinancingJan 25, 2012
Will President Obama announce a mass refinancing program that will slash interest rates on all Fannie Mae and Freddie Mac mortgages?
Credit HistoryFeb 13, 2013
Each time a collection agent buys your debt, it adds to the collection account's credit history. Get copies of all three of your credit reports to see...
Private Mortgage InsuranceDec 1, 2010
Private mortgage insurance isn't necessary for all homeowners. Learn how to cancel your PMI
Florida Collection LawsMay 13, 2010
Florida collection laws | A Florida court may decide to grant a judgment to the creditor. A judgment is a declaration by a court that the creditor has the...
Sallie Mae CosignerJun 23, 2010
Sallie Mae Cosigner | As a cosigner, you are 100% responsible for the debt. It's hard to negotiate settlements for student loan debts, but it is easier to if...
Secured Credit CardSep 23, 2013
A secured credit card can help you build your credit history and credit score if you have not applied for or paid any loans in the last 10 years. Build...
Buying a Home Step 4: Home Inspection, Title SearchNov 3, 2010
Remember that your good faith estimate is just that: an estimate. Closing costs may vary.
Financial FreedomDec 1, 2010
Financial freedom gives you the flexibility to pursue your dreams. Learn how to gain it at Bills.com.
Denied CreditOct 4, 2007
Rejected on a credit card application, see how it can effect your credit. Bills.com, ask any credit question and get a personalized answer!