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.
Bankruptcy Divorce and Underwater HomeSep 19, 2024
Your ex-spouse filing for bankruptcy can affect you, if you left your ex on the title to the home. Review how bankruptcy and divorce can affect you, when your h
California Clerk JudgmentSep 19, 2024
Clerk Judgment | California law allows a court clerk to enter a default judgment against the defendant without a court hearing or judicial action
Levy AccountSep 19, 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 LoansSep 19, 2024
Government debt consolidation loans for federal student loans can help you save money and make bill-paying easier each month.
Consolidate CreditSep 19, 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 LimitationsSep 19, 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 IncomeSep 19, 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 HelpSep 19, 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 PropertySep 19, 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 GarnishmentSep 19, 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 DebtSep 19, 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 PortfolioSep 19, 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 DebtSep 19, 2024
debt, negotiation, debt collector, original creditor, debt settlement,
Negotiate American Express DebtSep 19, 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 ConsolidationSep 19, 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 SettlementSep 19, 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 PreventionSep 19, 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 ReportSep 19, 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 CollectionsSep 19, 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?Sep 19, 2024
Can I include my car loan into a debt consolidation program? If so can I keep my car?
Advanta DebtSep 19, 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 JudgmentSep 19, 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?Sep 19, 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?Sep 19, 2024
Should I dispute a collection account if I know I owe the debt?
Bankruptcy and Second MortgageSep 19, 2024
If I file bankruptcy will that eliminate my second mortgage balance?
Debt DeathSep 19, 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 DebtSep 19, 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 optionsSep 19, 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 JudgmentSep 19, 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 CollectionsSep 19, 2024
Can a creditor seize or garnish my prepaid debit card?
Default PaymentSep 19, 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 EstateSep 19, 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 ReturnSep 19, 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 BillSep 19, 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?Sep 19, 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 LoansSep 19, 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 JudgmentsSep 19, 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 TipsSep 19, 2024
Get self help tips and advice on debt settlement options. Find. Learn. Save! at Bills.com
Debt InheritanceSep 19, 2024
See what happens to your debt when you pass away. Bills.com your one stop financial resource center
Debt and DivorceSep 19, 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 Sep 19, 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?Sep 19, 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 PaymentSep 19, 2024
Let Bills.com help you get the Lowest Monthly Payment.
Bad DebtSep 19, 2024
If you have Bad Debt problems, let Bills.com help you save.
CreditGuard of America - Credit Guard Advice and Consumer Debt SolutionsSep 19, 2024
See what Bills.com has been asked in the past about Credit Guard of America and Consumer Debt Solutions.
Pay Down Credit Card DebtSep 19, 2024
If you want to pay down credit card debt to save money and cut payments... come to Bills.com and SAVE.
Bill CollectorSep 19, 2024
Are you getting harassed by a a bill collector. See what a bill collector can or cannot do.
Buried In DebtSep 19, 2024
Find yourself buried in debt? Bills.com has the tips and resources to get debt free.
Small Business DebtSep 19, 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 QuestionsSep 19, 2024
Get answers to common debt management questions. Bills.com, your personal finance resource center.