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.

Avoid Paying Payday Loan?Apr 25, 2014
You may be able to avoid paying a payday loan if it is illegal. 14 states outlaw payday loans, including online payday loans. Check with the State Attorney...
Interest Rate SavingsOct 4, 2007
See what range of credit scores get you what kind of interest rate savings on your credit cards.
Owe Money to Social Security AdministrationSep 24, 2008
Owe Money to Social Security Administration | If you receive an overpayment from Social Security, you have to repay the money you received. You could face...
Construction LoansDec 15, 2008
Free advice on how to get a construction loan.
Buried In DebtOct 2, 2007
Find yourself buried in debt? Bills.com has the tips and resources to get debt free.
Settle a LawsuitApr 14, 2009
Settling with your creditors is a fairly straightforward process, but one which can be intimidating to many consumers. Learn more about the process at Bills.com
Back Child SupportOct 4, 2007
Owe a lot of money in back child support? Generally speaking, a debt consolidation loan can be used to repay any outstanding debt you owe, including back child
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
Credit Score UpdateJun 25, 2008
Your credit rating is calculated based on several variables. Learn how to improve your credit rating...
Returning a Newly Purchased VehicleMar 4, 2009
Returning a newly purchased vehicle to the dealer can be viewed as a voluntary surrender. This will severely harm your credit report and leave you with a debt.
Community Property DebtJun 21, 2010
Community Property Debt | Assets and obligations of one partner acquired during the marriage become 'community' assets or obligations. This can mean one...
Refinance Upside DownApr 16, 2012
A refinance for an upside-down mortgage is possible, but if you are already paying a low adjustable rate, then you may not see any savings in your monthly payme
Garnish Social Security IncomeDec 11, 2009
Your retirement income is protected if your primary sources of income are Social Security and pension benefits.
Settled for Less Than Full BalanceFeb 18, 2010
An account marked as 'Settled for less than full balance' will be a negative mark on a credit report.
My Spouse's Employer Stopped Deducting Taxes From His PayFeb 19, 2015
My husband's employer recently stopped deducting taxes from his paycheck. They say it's an Obama tax plan. Do you know of any plan in the works to account for t
Collection Agency & Credit ReportApr 5, 2010
Collection Agency & Credit Report | The creditor (the original creditor or the collection agent) must report settlement of the debt to the CRAs. Learn how to...
Levy AccountApr 6, 2010
Many states exempt certain amounts and certain types of funds from bank levies, so a debtor should review his or her state's laws to find if a bank account can
Debt Settlement OptionFeb 15, 2008
Learn about the pros and cons of Debt Settlement as an option for debt reduction. Get more information about help with debt on Bills.com
Prepaid Debit Card and Debt CollectionsFeb 16, 2010
Can a creditor seize or garnish my prepaid debit card?
BoA Increased Payments on MBNA accountJan 30, 2009
Advice if BoA Increased Payments on MBNA account | Credit card companies keep buying other credit card companies. Learn how to deal with the changes in...
Refinancing While in ForeclosureAug 22, 2008
Learn about the options you might have to refinance while in foreclosure. Bills.com can give you valuable advice that could save your home.
Save or Pay-Down Credit CardDec 2, 2009
Should I keep my savings or pay-down my credit card? The answer is to keep your savings as an emergency reserve.
Thousands in DebtAug 10, 2007
Looking for the best resolution strategy for your debts? Let bills.com point you to savings.
Mortgage CollectionsJan 26, 2010
Mortgage Collections | If your are in default on your second mortgage, it is possible that the lender will sell the loan to a collection agency. Make sure...
Need Help With Credit Card DebtMay 23, 2008
Get advice on best ways to get out of credit card debt. Bills.com has more money saving tips to help you Find. Learn. Save.
Minnesota GarnishmentJan 12, 2010
An employer shall not discharge an employee for a garnishment in Minnesota. A divorce decree does not trump the contract terms in a federal student loan.
Personal BankruptcyDec 1, 2010
Bankruptcy is one of the most damaging things that can appear on your credit report. However, its effects can be reversed by taking positive steps to soften the
Refinance to 15-Year LoanJul 13, 2010
If you can afford to increase your mortgage payments by 30%, and with a 1.25% decrease in the interest rate, you can cut your overall interest expense dramatica
Question about Collection AgencyDec 14, 2007
Learn about the original creditor transferring debt to a third party collection agency. Get more information to help you save, at Bills.com
Authorized User on Credit CardMay 27, 2009
Learn about your rights as an authorized user on a credit card account, in case of a divorce. Talk to your divorce lawyer before you close the account, or...
Bonded TitleJul 20, 2010
Each state has a procedure for removing a lien from a vehicle.
Splitting Credit Card Debt in DivorceJul 6, 2010
A divorce decree does not trump the contract terms in a loan. The contract was agreed to when the loan was signed by you and/or your spouse. The divorce did not
California Service of ProcessSep 30, 2010
California service of process | In California, service of process is allowed by substitute, if a copy of the summons cannot be delivered personally with reasona
HELOC PaymentJul 22, 2010
Late-Pct wayments on HELOC | There is no standard HELOC contraith consistent terms and conditions. A HELOC from (for example) Bank of America may have...
Collections on Old DebtJul 29, 2009
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?
Cannot Pay Payday LoansOct 9, 2007
Cannot Pay Payday Loans | Many people seem to be drowning and trapped by payday loans. Learn about state laws regulating payday loans and tips to get out of...
Georgia Spousal Liability for DebtJul 13, 2010
If the spouses never resided in a community property state, and only one spouse signed the loan contract, then the signatory-spouse is liable for the debt only.
Balance on a RepossessionFeb 5, 2008
See what can happen after a vehicle is repossessed. Get real answers to real world questions at Bills.com
My Lender Lost My Deed in Lieu of ForeclosureAug 5, 2009
Am I obligated to resend my mortgage company another copy of my deed in lieu of foreclosure?
Refinance DebtOct 5, 2010
Refinance | I see two options for refinancing your mortgage to pay off unsecured debt, or any other debt for that matter.
Selling HomeJan 14, 2010
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?
Student Loan BankruptcyDec 1, 2010
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...
Help with Bills in CollectionApr 17, 2008
Read about options that can help you deal with bills in collections. Bills.com is the premier destination for help with your bills in collections.
Loan to Pay Off DebtsMay 1, 2008
Get all the information you need about getting loans to pay off debts. Bills.com is your one stop resource to get all the information you need to save on your
Predatory LendingDec 1, 2010
Predatory lending practices are not only dishonest, they cost consumers thousands of dollars. Learn more about predatory lending and how to avoid it.
Understanding Credit Score DiscrepanciesOct 5, 2010
Understanding Credit Score Discrepancies | Your credit scores are calculated using complex mathematical formulas. Your scores can vary from bureau to bureau...
Home Equity Loan RefinanceAug 6, 2007
Equity Loan Refinance | If you are looking to refinance you home equity loan, let Bills.com give you the advice you need to save.
Old Credit Card Debt That's been SoldOct 24, 2007
See what resources are available to you to settle old debt that has been sold to collection agencies. Bills.com has the information to help you Find. Learn. Sa
Buy-Here-Pay-Here RepossessionDec 3, 2009
I bought a car from a buy-here-pay-here location. I just had it repossessed after being late 4 days with no notice. Is that legal? Yes!
Michigan Spousal Liability for DebtJul 30, 2010
Spousal Liability in Michigan | If both spouses sign a debt agreement both are jointly liable to the creditor. But, if only one spouse signed the agreement...