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.
Mortgage Payment Coupon BookSep 22, 2023
Need help getting your mortgage payment coupon book? Let Bills.com help you for free with advice and tips.
Quiet TitleSep 22, 2023
Quiet title | An action to quiet title is a lawsuit brought in order to establish a party's title to real property. Due to the problems with MERS, anyone...
Spouse Not On MortgageSep 22, 2023
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
Sell My HouseSep 22, 2023
Sell My House Back to the Bank | Banks don't take homes back easily. Try modifying the mortgage to avoid foreclosure. Also, look into a deed-in-lieu or...
Mortgage CalculatorSep 22, 2023
Mortgage Calculator | Mortgage Calculator tips from bills..com Use our easy-to-use mortgage calculator to see which which mortgage loan is best.
Mortgage ScamSep 22, 2023
Mortgage Scam | The details of a mortgage can be complex. Mortgage scams often involve land speculation, straw buyers, inflated appraisals and...
Name On MortgageSep 22, 2023
Make one spouse a financial and credit history life boat. If a couple's financial world is turned upside down one spouse will have a strong credit history to re
RESPA & Escrow AccountSep 22, 2023
Under RESPA, a mortgagee is allowed to require an escrow account as a condition of you, the mortgagor, doing business with it.
Handyman SpecialSep 22, 2023
If the value of comps are in the $26,000 range, then you should pay $1,000 because the appraisal price is unrealistic and $1,000 is what the net value of the ho
Mortgages FAQSep 22, 2023
Learn how much you can afford to borrow, and how to qualify for a mortgage.
REO RentalSep 22, 2023
REO to rental idea advanced by Federal Reserve aims to stabilize home prices by selling foreclosed homes as rental units.
Mortgage Application StepsSep 22, 2023
Applying for a mortgage, whether a refinance or a purchase, takes time and effort - understand the steps.
Community Property DebtSep 22, 2023
Community Property Debt | Assets and obligations of one partner acquired during the marriage become 'community' assets or obligations. This can mean one...
New York Collection LawsSep 22, 2023
Learn how New York law protects you if you are threatened with a lien, account levy, wage garnishment, repossession or foreclosure. Payday loans are illegal...
Excessive Towing FeesSep 22, 2023
My car was towed, and now the towing company wants to sell my car. What can I do? Contact an attorney in your state immediately and raise the money to pay the s
Credit Card Debt in ColoradoSep 22, 2023
My husband was sued in Colorado for a credit card debt incurred in Vermont but agreed to in Arizona. What law applies?
Collection Agency InterestSep 22, 2023
Can A Collection Agency Continue to Charge Interest on A Charged Off Account?
Father's Credit Card DebtSep 22, 2023
My girlfriend's father opened numerous joint account credit cards when she turned 18. He filed for bankruptcy a few years later but did not include the credit c
Minnesota Collection LawsSep 22, 2023
Learn the statute of limitations for credit card and other debts, and Minnesota's peculiar mortgage anti-deficiency laws. A Minnesota judgment becomes a lien...
Midland Credit ManagementSep 22, 2023
Midland Credit Management collection agency calling you? Take these 3 steps if Midland Credit Management calls you to collect a debt. First...
Increase in Debt BalanceSep 22, 2023
Unless a creditor has charged a higher rate of interest than that allowed by your credit agreement, you probably have little recourse in forcing the creditor to
Mortgage When Spouse DiesSep 22, 2023
A bank may be able to call a mortgage when a spouse dies. your spouse who has a mortgage dies, you may be able to keep making payments and remain in...
Settle a LawsuitSep 22, 2023
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
Debt Consolidation & Mobile HomeSep 22, 2023
Finding a debt consolidation loan using a mobile home as collateral is possible but challenging. Consider your alternatives, which include...
Deal Or No Deal Sep 22, 2023
We were forced to sell our home through a short sale and our second mortgage left us a charge-off of 66k. We have been offered a 10-year settlement plan. Is thi
What Happens if I Do Not Have Enough Money To Pay A Deficiency Balance?Sep 22, 2023
If I do not have enough money to pay a deficiency balance, what will happen?
Virginia Collection LawsSep 22, 2023
Learn the statute of limitations for credit card and other debts, and how to apply for a $5,000 wage and account garnishment exemption available to Virginia...
Repay Gambling DebtSep 22, 2023
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...
Consolidate Student Loan Debt With Credit Card DebtSep 22, 2023
It's not easy to consolidate student loan debt with credit card debt. If you're house-rich but cash-poor, consider a cash-out refinance. Otherwise, you will...
Three-State Statute of LimitationsSep 22, 2023
Three-State Statute of Limitations Conflict | Review the SOL jurisdiction implications when a debtor moves from one state to another and the creditor is in a...
Can My Bank Account be Levied?Sep 22, 2023
Account Levy is allowed for judgments. Also, state and federal agencies have the right to levy accounts on their own authority. However, exemptions apply...
BoA Increased Payments on MBNA accountSep 22, 2023
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...
Dignity Health Payment AssistanceSep 22, 2023
Catholic Healthcare West hospitals and clinics offer charity and discount programs for people with no insurance. Talk to an admitting or patient registration...
Ascension Health Patient AssistanceSep 22, 2023
Ascension Health's hospitals and care centers offer charity and discount programs for people with limited income. Be careful, because not all expenses...
Ex Wife Refusing to Pay Debts Sep 22, 2023
After a divorce my ex wife and I were ordered to pay accounts under the divorce decree. I was paying but my ex decided she was no longer liable. We are now sum
Common Law Marriage and DebtSep 22, 2023
Read about common law marriages and debt responsibility in this informative article on Bills.com
Citibank MortgageSep 22, 2023
Regarding your mortgage, review your loan documents carefully to see if Citi reserves a right to pursue private collections actions on your debt.
How Can I Save Money?Sep 22, 2023
Asking yourself - How Can I Save Money? Can you save money and pay off debt at the same time with a low income?
Avoid Paying Payday Loan?Sep 22, 2023
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...
Consolidate Debt and DivorceSep 22, 2023
How to consolidate debt from credit cards, medical providers, mortgages, auto loans, and taxes after divorce. You need a different strategy for each debt type.
Collection Agency ChargesSep 22, 2023
Collection agency charges are illegal if you state outlaws the practice, or if the contract you signed with the original creditor doesn't say it can...
Garnish PensionSep 22, 2023
Most pensions, like other forms of retirement income, are exempt from garnishment or attachment to repay court judgments.
Garnish Social Security IncomeSep 22, 2023
Your retirement income is protected if your primary sources of income are Social Security and pension benefits.
Court Summons for DebtSep 22, 2023
Advice if you have received a Court Summons for Debt and need free help.
Right of OffsetSep 22, 2023
Federal law restricts the right of offset, preventing federally chartered banks, like Wells Fargo or B of A, from using the right of offset in cases where...
Two Judgments on Same AccountSep 22, 2023
You cannot be sued twice for the same debt, read on to learn more about creditor judgments at Bills.com
Collection Agency ScamsSep 22, 2023
Collection agency scams are common, unfortunately. Learn four ways to detect a scam artist, and eight steps to take to handle a scam artist. Scammers will...
Mortgage After BankruptcySep 22, 2023
You can qualify for a mortgage after bankruptcy as early as 12 months after the discharge. Learn the FHA and VA's rules for bankruptcy...
ThinkCash in KentuckySep 22, 2023
First Bank of Delaware, a relatively small bank based in Delaware, operates a payday loan business online under the ThinkCash brand name. It has no physical pre
Renew a CD or Pay Down My Debt?Sep 22, 2023
Renew a CD or Pay Down My Debt? | If you are earning less interest on an investment than you are paying on a debt, liquidating to pay down the debt is a good...