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 with Bad CreditDec 1, 2010
Do you want to purchase a home, but have bad credit? Review the right steps to take to buy a house, when you are burdened with bad credit, at Bills.com.
Shopping for InsuranceDec 1, 2010
Discover how to effectively show for insurance from Bills.com - your source for saving money.
Student Loan Debt HelpDec 1, 2010
Student Loan Debt | Learn your six options for repaying a federal student loan, and options for private loans...
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.
Home Insurance BasicsDec 1, 2010
Learn the basics of home insurance from Bills.com - your source for saving money.
Judicial ForeclosureDec 1, 2010
Learn about judicial foreclosure, non-judicial foreclosure, and how each type works. Get the information you need from Bills.com.
Point of Service InsuranceDec 1, 2010
Learn everything there is to know about a Point of Service health insurance plan and discover if a POS plan is the best choice for your health insurance.
Filing Auto Insurance ClaimsDec 1, 2010
Be sure to file an auto insurance claim properly, to ensure that your claim is paid in a timely manner. Use the following tips to guide you, including...
Auto Loan DefaultDec 1, 2010
Derogatory items remain on your credit report for up to 7 years. A bankruptcy may remain on your credit report for up to 10 years.
Subprime Credit 101Dec 1, 2010
Most subprime loans have high interest rates, added fees, and other costly expenses, including...
Reverse Mortgage FAQsDec 1, 2010
Get answers to many of your reverse mortgage FAQs from Bills.com - your source for saving money.
All About FICODec 1, 2010
Learn what a FICO score is and how it is calculated
Wise Use of Credit CardsDec 1, 2010
Discover how to increase your credit through credit cards and build your finances.
Insurance BasicsDec 1, 2010
Gain a better understanding of insurance and what's involved from Bills.com - your source for saving money.
Home Refinance InformationDec 1, 2010
Discover valuable home refinance resources and find a reputable lender from Bills.com. Your source for saving money.
Financial FreedomDec 1, 2010
Financial freedom gives you the flexibility to pursue your dreams. Learn how to gain it at Bills.com.
HAMP ProgramDec 1, 2010
Government debt relief sounds like a great option, but is it really available? Find out at Bills.com.
Foreclosure AdviceDec 1, 2010
Read a personal story about foreclosure and get foreclosure advice that can help you avoid or deal with a looming foreclosure. Free information from Bills.com.
Mortgage RefinanceDec 1, 2010
Refinance | Looking for a mortgage refinance loan or ways to get a great rate? Bills.com has all the information and savings you need.
Refinance vs. Prepayment Nov 30, 2010
Consider whether refinancing or prepayment is right for you.
Student Loan & Deceased BorrowerNov 29, 2010
The Dept. of Education cancels federal student loan debt when the borrower dies. Private student loans, however, follow state probate rules...
Title LoanNov 22, 2010
Title Loan |A title loan comes with high interest. Free tips about the pros and cons of title loans
ARM vs. FRMNov 22, 2010
Decide if a fixed rate or adjustable rate mortgage would best fit your needs and home ownership goals.
The Cost of RefinancingNov 22, 2010
Refinancing can cost you more in the long run even if you're getting a better rate.
Mortgage Rates UpNov 16, 2010
Trend in rising interest rates unlikely to continue
Co-sign LoanNov 16, 2010
Co-Signing Loans | The co-signer takes responsibility for repaying the loan if the primary borrower does not. If the loan is not paid in time, then the...
Refinance ScamsNov 15, 2010
Refinance scams can easily be detected. Watch for unbelievable interest rates, and unsolicited offers.
Pay Down Mortgage BalanceNov 15, 2010
Know the advantages of a cash-out refinance.
Refinance or Prepayment?Nov 12, 2010
Refinancing or paying down your current mortgage is a decision to be made by you. What makes sense for your situation and goals?
Estate DebtNov 10, 2010
When a person passes away, the decedent's debts do not automatically pass to his or her spouse, children, or anyone else. Debts incurred by an individual are ow
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...
Refinance $200,000 MortgageNov 8, 2010
Refinance | You will qualify for a home mortgage refinance loan if you have a steady, adequate income, your DTI is 35% or less, and the market values in your ne
Refinance Income?Nov 5, 2010
The cash in a cash-out refinance is not income because it is a form of loan against the value of the homeowner's property.
Piggyback CreditNov 5, 2010
If your spouse has strong credit, your being an authorized user on an account with a healthy credit history will boost your score. This is called piggybacking
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.
VA Reverse MortgageOct 29, 2010
I am unable to find any information about a VA reverse mortgage program. I cannot determine if a VA reverse mortgage program exists and if so its requirements,
Disputing Your Credit ReportOct 27, 2010
Credit Report Dispute | How to dispute errors on your credit report for no cost. Get inaccurate information removed from your report by filing a notice with...
Credit Score FAQOct 26, 2010
Free tips on establishing, maintaining, and improving your credit rating.
Refinance Mortgage or HELOC?Oct 20, 2010
Refinance | There are four things you need to be aware of when shopping for a mortgage or refinance: DTI, LTV, credit score, and income history. The secret is..
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...
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.
1099-A vs. 1099-COct 4, 2010
1099-A vs. 1099-C | A creditor is required to issue a 1099-A when a borrower abandons real or personal property. A 1099-C is a notice to the IRS that the...
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
Refinance Vehicle LoanSep 29, 2010
Refinance Vehicle Loan | A vehicle refinance can save you a lot of money, especially if your credit has improved since you took out your loan. Be sure to see...
Farm LoansSep 29, 2010
The USDA's Farm Service Agency makes farm ownership loans to farmers and ranchers who cannot obtain a loan from a bank and to beginning farmers.
Negotiate Mortgage SettlementSep 27, 2010
Negotiate Mortgage Settlement | You have options to negotiate a mortgage settlement. Consult with an attorney about your bankruptcy options. Learn to...
Sallie Mae Debt-to-Income RatioSep 22, 2010
Debt-to-Income ratio (DTI) is a comparison of your monthly gross income and your monthly repayment obligations to creditors.
How to Buy a HomeSep 15, 2010
Purchasing a home will most likely be among your largest and most important investments. Determine the pros and cons of owning a home to make the best decision.
What Affects Credit ScoreSep 13, 2010
There are five key factors that go into calculating your credit score, with certain items carrying more weight than others.
Georgia Mortgage Foreclosure & Short SaleSep 9, 2010
Talk to your mortgage servicer about a short sale now and see what you need to do to qualify. Short sales are common and thousands of homes are bought and sold