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.
Levy AccountApr 25, 2024
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
Government Debt Consolidation LoansApr 25, 2024
Government debt consolidation loans for federal student loans can help you save money and make bill-paying easier each month.
Consolidate CreditApr 25, 2024
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
NY Statute of LimitationsApr 25, 2024
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.
Forgiven Debt IncomeApr 25, 2024
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...
Debt Reduction HelpApr 25, 2024
Get debt reduction help, advice, and information from Bills.com - your source for savings money and getting out of debt.
Seize and Sell Florida PropertyApr 25, 2024
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
Georgia GarnishmentApr 25, 2024
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...
Kansas Spousal Liability for DebtApr 25, 2024
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...
Debt PortfolioApr 25, 2024
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
Negotiate Citibank DebtApr 25, 2024
debt, negotiation, debt collector, original creditor, debt settlement,
Negotiate American Express DebtApr 25, 2024
Each creditor has its own policies for settlement amounts. The rule of thumb for American Express is 50 cents on the dollar.
California Debt ConsolidationApr 25, 2024
You have several good options to resolve your unsecured debt, including debt settlement and credit card counseling. The federal government is sponsoring several
Help with Debt SettlementApr 25, 2024
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
Foreclosure PreventionApr 25, 2024
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
Collection Agency & Credit ReportApr 25, 2024
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...
Nebraska CollectionsApr 25, 2024
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.
Can I Consolidate My Car Loan In A Debt Consolidation Program?Apr 25, 2024
Can I include my car loan into a debt consolidation program? If so can I keep my car?
Advanta DebtApr 25, 2024
You may be able to negotiate the amount of debt you owe on your Advanta credit card with the third-party collection agency.
Interest on JudgmentApr 25, 2024
I have a judgment against me and learned the creditor is charging me 10% interest. Is that legal? It depends on which state you reside in.
Will Co-signing On a Loan Hurt My Credit Score?Apr 25, 2024
My boyfriend has terrible credit. Will it affect my credit if I co-sign a loan with him?
Should I Dispute A Collection Account?Apr 25, 2024
Should I dispute a collection account if I know I owe the debt?
Bankruptcy and Second MortgageApr 25, 2024
If I file bankruptcy will that eliminate my second mortgage balance?
Debt DeathApr 25, 2024
Responsibility for Debt after Death of Borrower | Some people assume a decedent's debt is forgiven or written off by creditors. The law doesn't work that way...
Collecting 13-Year-Old DebtApr 25, 2024
A creditor failed to cash a check 13 years ago, and now wants me to re-issue it, which I cannot afford. What are my rights?
Bank of America debt optionsApr 25, 2024
Bank of America debt options | Review your different options for resolving Bank of America debt. Reduce what you owe or lower your interest rate. Start by...
Collections Advice on Deficiency JudgmentApr 25, 2024
A deficiency is like any other unsecured debt and as such is legally identical to credit card debt, medical debt, or a payday loan.
Prepaid Debit Card and Debt CollectionsApr 25, 2024
Can a creditor seize or garnish my prepaid debit card?
Default PaymentApr 25, 2024
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...
Deceased EstateApr 25, 2024
Assuming the above, and assuming your spouse's prognosis is dire, neither you nor your spouse have an incentive to change the status quo regarding the property.
Investment Rate of ReturnApr 25, 2024
Paying off Debt or Investing | Investing your money instead of paying off debt might be a wise decision depending on the interest rate and rate of return...
Insurance Neglecting to Pay a Medical BillApr 25, 2024
I was told that my insurance would cover my medical bill, but later found out the bill was never paid. Now I owe almost $1,000.
Garnish My Pension?Apr 25, 2024
Can your pension be garnished? Pensions, like Social Security and other forms of retirement income, are exempt from garnishment for most debts. However...
Consolidate Check Advance LoansApr 25, 2024
Find yourself caught in the vicious cycle of check advance loans? Bills.com has some helpful tips to help you get out of the debt trap.
Debt JudgmentsApr 25, 2024
If you are facing a judgment or possible garnishment, let Bills.com give you the advice you need to resolve your debt.
Debt Settlement Advice and TipsApr 25, 2024
Get self help tips and advice on debt settlement options. Find. Learn. Save! at Bills.com
Debt InheritanceApr 25, 2024
See what happens to your debt when you pass away. Bills.com your one stop financial resource center
Debt and DivorceApr 25, 2024
Get all the answers about debt and divorce from Bills.com? your source for saving money. Ask Bill, Bills.com's financial expert your financial questions.
High Debt Consolidation & Credit Apr 25, 2024
Too many recent credit inquiries on your report? Has your score dropped? Get tips on improving your credit and options for consolidation of high debt.
How Do I Reduce My Debts?Apr 25, 2024
How do I reduce my debts? | If you are asking yourself, 'How do I reduce my debt?' you owe it to yourself to look at all your options. Start by...
Lowest Monthly PaymentApr 25, 2024
Let Bills.com help you get the Lowest Monthly Payment.
Bad DebtApr 25, 2024
If you have Bad Debt problems, let Bills.com help you save.
CreditGuard of America - Credit Guard Advice and Consumer Debt SolutionsApr 25, 2024
See what Bills.com has been asked in the past about Credit Guard of America and Consumer Debt Solutions.
Pay Down Credit Card DebtApr 25, 2024
If you want to pay down credit card debt to save money and cut payments... come to Bills.com and SAVE.
Bill CollectorApr 25, 2024
Are you getting harassed by a a bill collector. See what a bill collector can or cannot do.
Buried In DebtApr 25, 2024
Find yourself buried in debt? Bills.com has the tips and resources to get debt free.
Small Business DebtApr 25, 2024
Do you have a lot of debt acrued through you closed small business? See what options may be right for you. Bills.com is your one stop resource for saving mone
Debt Management QuestionsApr 25, 2024
Get answers to common debt management questions. Bills.com, your personal finance resource center.
Freeze AccountApr 25, 2024
It is not possible for a third party, such as an ex-spouse to effectuate an account freeze.
You may be thinking of what is called a levy or garnishment.
Credit CARD Act of 2009 InterestApr 25, 2024
The Credit Card Accountability Responsibility and Disclosure Act of 2009 is an amendment to the Truth in Lending Act. It limits the amount your rate can changeâ