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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.

Credit Card Loan ConsolidationNov 25, 2022
Loan consolidation will not cut your monthly payments. Learn the 4 proven alternatives to a credit card loan consolidation.
Non-Profit Debt ReliefNov 25, 2022
Non-Profit Debt Relief | Non-Profit Debt Relief can help you with credit card debt, bankruptcy, and student loans. It's important that you understand exactly...
Loan to Pay Credit CardsNov 25, 2022
Need a loan for credit card consolidation or home repair? Read on to learn your options for secured and unsecured loan, plus government grants...
Credit Card LawsuitNov 25, 2022
Defendants of credit card lawsuits who put up a fight in court will often win. Here are the five steps you can take to fight a credit card lawsuit...
Free Debt Consolidation ProgramsNov 25, 2022
Free Debt Consolidation Programs | Free debt consolidation programs don't exist, but you can improve your finances & save money at little or no cost. First...
Consolidate Credit Card PaymentsNov 25, 2022
You can consolidate your credit cards into one monthly payment, and we show you three ways to do so in this article, but you may not want to because of the expe
Consumer Credit 2012Nov 25, 2022
Consumer Credit Outlook 2012 | Survey of risk assessors shows expectation of more student loan defaults, but foreclosures to hold steady in 2012...
Dismissed & Discharged BankruptcyNov 25, 2022
In many cases, a consumer can re-file a previously dismissed bankruptcy once he or she has corrected the problems which led to the initial case being dismissed.
Your Credit and Debt ReliefNov 25, 2022
Don't fall for a debt relief scam! Learn five signs of a scam, and 5 pros and cons of debt settlement and credit counseling.
Debt Reduction ServicesNov 25, 2022
'Debt reduction services' can mean the Boise, Idaho provider of credit counseling services, or companies offering debt resolution services...
Best Debt CounselingNov 25, 2022
You do not find the best debt counseling by accident. Learn the 15 items you need to look for when choosing a debt counseling partner...
Debt-Free LivingNov 25, 2022
Living debt-free is possible, but such a conservative approach limits your opportunities for attaining greater wealth. Read the two tables here comparing...
Re-Aging DebtNov 25, 2022
If you have solid evidence of a collection agent re-aging an account, dispute the account as described here. You may a cause of action for re-aging the account
orange county debt consolidationNov 25, 2022
Learn all about debt consolidation in Orange County, CA and how to go about it the right way. Free information about debt consolidation from Bills.com.
The Best Free Debt Relief OptionsNov 25, 2022
Free Debt Relief | Look at free debt relief options before you hire a firm to help you with your debt. Use the free advice and tools to save money. Start by...
Reputable Debt Consolidation CompaniesNov 25, 2022
Reputable debt consolidation companies are easy to find, if you know what to look out for. This most important thing you need to watch out for is...
Debt ConsolidationNov 25, 2022
Debt conolidation is sometimes mistaken for debt consolidation. Bills.com has lots of information on debt consolidation for you.
Debt Relief HelpNov 25, 2022
True debt relief help will help you change the way you think about debt and money. Learn how to stay out of debt permanently at Bills.com - Find. Learn. Save.
Debt Relief LoanNov 25, 2022
Debt Relief | A debt relief loan can actually reduce your debt. Discover your loan options and where you can find a loan...
Creditor Threatening to Garnish SpouseNov 25, 2022
A collection agency is threatening to sue me and garnish my spouse's wages. Can they do that?
Reduce Debt Quickly and EffectivelyNov 25, 2022
Learn the three quickest ways to pay off your debt, and one VERY ineffective method to handle your debt.
Payday Loan SettlementNov 25, 2022
Debt Settlement Loan | Learn how to negotiate a payday loan settlement. It's not easy, but learn the steps to fight back against payday...
Best Ways for Getting Out of Debt Nov 25, 2022
Need help getting out of debt? | Getting out of debt takes a systematic approach, so you choose the way that works best for you. It is super important to...
Credit Card Consolidation ReviewsNov 25, 2022
Credit Card Consolidation Companies Reviews | Where to find reviews of top credit card consolidation providers. But beware, you may want to take reviews with...
Bankruptcy & Mortgages Nov 25, 2022
Bankruptcy and Mortgage | Whether a bankruptcy filing can stop foreclosure action on your home depends on several factors, including the type of bankruptcy, ...
How to Get Out of Debt For FreeNov 25, 2022
Get Out of Debt Free | The lowest-cost method of getting out of debt for free is bankruptcy. You have other options, too, and be sure to look into...
Get Debt Relief NowNov 25, 2022
Get Debt Relief | Learn which debt relief strategy is best for your needs, and the positives and negatives of popular debt relief strategies...
Citibank SettlementNov 25, 2022
Citibank has a reputation for being a sharp negotiator regarding the settlement of credit card debt. You may wish to wait until Citibank sells your collection a
Nebraska CollectionsNov 25, 2022
I found no evidence that it is illegal to collect a debt less that $100 in Nebraska or report it to a credit reporting agency.
Collection Agency & Credit ReportNov 25, 2022
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...
Foreclosure PreventionNov 25, 2022
Lenders would prefer to avoid foreclose on mortgages because foreclosure offers a poor economic return, and only foreclose as a way of limiting losses on a defa
Help with Debt SettlementNov 25, 2022
A lowered credit score and nerve-wracking telephone calls from collection agents are common for debtors in a debt settlement program. These will end as you work
Fair Debt Collection Practices ActNov 25, 2022
Learn the top 8 actions a collection agent must take, and the top 12 actions prohibited by the Fair Debt Collection Practices Act...
California Debt ConsolidationNov 25, 2022
You have several good options to resolve your unsecured debt, including debt settlement and credit card counseling. The federal government is sponsoring several
Negotiate American Express DebtNov 25, 2022
Each creditor has its own policies for settlement amounts. The rule of thumb for American Express is 50 cents on the dollar.
Negotiate Citibank DebtNov 25, 2022
debt, negotiation, debt collector, original creditor, debt settlement,
Debt PortfolioNov 25, 2022
Collection accounts are sold as pools or portfolios, and I know of no way for a collection agent (or anyone else) to purchase the collection accounts for a part
Kansas Spousal Liability for DebtNov 25, 2022
Spousal Liability for Debt in Kansas | If you always resided in Kansas or a non-community property state then you have no liability for the debt. However, if...
Georgia GarnishmentNov 25, 2022
Georgia Garnishment | If you have a judgement against you a creditor can get a wage garnishment in Georgia. If you wish to avoid a garnishment, then...
Seize and Sell Florida PropertyNov 25, 2022
Seize a Sell Florida Property | A judgment-holder in Florida is legally allowed to seize property, though it may not actually do so. Florida law allows...s
Debt Reduction HelpNov 25, 2022
Get debt reduction help, advice, and information from Bills.com - your source for savings money and getting out of debt.
Forgiven Debt IncomeNov 25, 2022
Forgiven Debt Income on Unverified Debt | A creditor can send out a 1099-C, cancellation of debt form, which may cause a tax liability. If you can't validate...
NY Statute of LimitationsNov 25, 2022
The utility is within its rights in New York to refuse to do business with a former customer who has an outstanding balance on their account.
Consolidate CreditNov 25, 2022
Consolidate Credit | You have many options to consolidate your credit card debt. Which you choose depends on your goals, circumstances, and the amount of your d
Government Debt Consolidation LoansNov 25, 2022
Government debt consolidation loans for federal student loans can help you save money and make bill-paying easier each month.
Levy AccountNov 25, 2022
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
Using Credit Cards in my Mother's NameNov 24, 2022
See what happens if you are using credit cards in your mother's name and cannot make the payments. Learn about credit card collection practices at Bills.com
New Debt While in Chapter 13Nov 24, 2022
Incurring New Debt in Ch 13 Bankruptcy | While in a Chapter 13 bankruptcy plan, you are strictly prohibited from incurring new debt without receiving prior...
Am I Responsible for my Mother's DebtsNov 24, 2022
Credit Card and Probate information| Authorized users do not apply for credit or sign a credit agreement, they are not legally liable for the debt. Read about..
Credit Card Debt ReliefNov 24, 2022
Read a personal story about credit card debt relief and discover ways to get yourself out of credit card debt. Courtesy of Bills.com - your source for saving mo