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.
Freeze AccountSep 19, 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 InterestSep 19, 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
Consolidate Debt PaymentsSep 18, 2024
Looking to consolidate debt payments and seeking debt help? Bills.com has your answers to debt consolidation.
Being Sued by a CreditorSep 18, 2024
Are you being sued by a creditor? The thought of being sued can be overwhelming. A lawsuit can cause emotional and physical stress. Read on how you can protect
FICO 9 Ignores Medical CollectionsSep 18, 2024
FICO scores will soon start ignoring medical collection accounts, resulting in as much as a 25-point score increase if your credit report has medical...
Foreclosure On One Property Affect AnotherSep 18, 2024
We own two houses. If the bank forecloses on one that has a home equity loan attached to it, can the bank attach that loan to our other house?
Auto Repossession and CollectionSep 18, 2024
What can happen if my car gets repossessed?
Collection Agency, Collections Laws & Statute of LimitationsSep 18, 2024
What is my liability when a collection agency buys my debt? Learn your options and means that may allow you to avoid the debt altogether.
Citibank SettlementSep 18, 2024
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
Debt and Estate LawsSep 18, 2024
A decedent's debts do not automatically pass to his spouse, children, or anyone else.
Get Debt Relief NowSep 18, 2024
Get Debt Relief | Learn which debt relief strategy is best for your needs, and the positives and negatives of popular debt relief strategies...
Car RepossessionSep 18, 2024
Car Repossession | Vehicles depreciate at a fast rate. If your car is repossessed and worth less than the balance of the loan, then you will have to pay-off...
How to Get Out of Debt For FreeSep 18, 2024
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...
Delinquent Credit Card Debt and ForeclosureSep 18, 2024
Delinquent Credit Card Debt and Foreclosure | Free tips from bills.com about delinquent credit card debt, its effects on your home, and whether it can lead to f
Collecting on Delinquent Child SupportSep 18, 2024
How delinquent child support payments are reported to the credit bureaus, and what steps you can take to start collecting delinquent child support payments...
Bankruptcy & Mortgages Sep 18, 2024
Bankruptcy and Mortgage | Whether a bankruptcy filing can stop foreclosure action on your home depends on several factors, including the type of bankruptcy, ...
Minnesota GarnishmentSep 18, 2024
An employer shall not discharge an employee for a garnishment in Minnesota. A divorce decree does not trump the contract terms in a federal student loan.
Credit Card Consolidation ReviewsSep 18, 2024
Credit Card Consolidation Companies Reviews | Where to find reviews of top credit card consolidation providers. But beware, you may want to take reviews with...
Am I Liable for Debt My Wife Incurred Before Marriage Sep 18, 2024
My wife got a car with her dad before we got married. If the car is repossessed will they be able to garnish my wages?
Best Ways for Getting Out of Debt Sep 18, 2024
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...
Payday Loan SettlementSep 18, 2024
Debt Settlement Loan | Learn how to negotiate a payday loan settlement. It's not easy, but learn the steps to fight back against payday...
Reduce Debt Quickly and EffectivelySep 18, 2024
Learn the three quickest ways to pay off your debt, and one VERY ineffective method to handle your debt.
Creditor Threatening to Garnish SpouseSep 18, 2024
A collection agency is threatening to sue me and garnish my spouse's wages. Can they do that?
Debt Relief LoanSep 18, 2024
Debt Relief | A debt relief loan can actually reduce your debt. Discover your loan options and where you can find a loan...
Debt Relief HelpSep 18, 2024
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 ConsolidationSep 18, 2024
Debt conolidation is sometimes mistaken for debt consolidation. Bills.com has lots of information on debt consolidation for you.
Reputable Debt Consolidation CompaniesSep 18, 2024
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...
The Best Free Debt Relief OptionsSep 18, 2024
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...
orange county debt consolidationSep 18, 2024
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.
Re-Aging DebtSep 18, 2024
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
Debt-Free LivingSep 18, 2024
Living debt-free is possible, but such a conservative approach limits your opportunities for attaining greater wealth. Read the two tables here comparing...
Best Debt CounselingSep 18, 2024
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 Reduction ServicesSep 18, 2024
'Debt reduction services' can mean the Boise, Idaho provider of credit counseling services, or companies offering debt resolution services...
Your Credit and Debt ReliefSep 18, 2024
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.
Dismissed & Discharged BankruptcySep 18, 2024
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.
Consumer Credit 2012Sep 18, 2024
Consumer Credit Outlook 2012 | Survey of risk assessors shows expectation of more student loan defaults, but foreclosures to hold steady in 2012...
Dealing with Charged Off Debt AccountsSep 17, 2024
If your credit report has charge-off accounts on it, let Bills.com get you the advice you need to clean up your credit report.
Consolidate Credit Card PaymentsSep 17, 2024
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
Medical GuarantorSep 17, 2024
Medical Bill and Joint Liability | Depending on the contract you sign and the state laws it is possible for a creditor to obtain a judgment and garnish wages...
Free Debt Consolidation ProgramsSep 17, 2024
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...
To Pay Credit Cards or to Save?Sep 17, 2024
Find out when it is better to to pay credit cards as opposed to putting aside the money for savings. Get more savings tips at Bills.com
Illinois Collection LawsSep 17, 2024
A judgment is a declaration by an Illinois court that the creditor has the legal right to demand a wage garnishment, a levy on the debtor's bank accounts, and a
Lawsuit on a Six Year Old Deficiency BalanceSep 17, 2024
Get more information about lawsuits on deficiencies. Learn about statute of limitations and more at Bills.com
Credit Card LawsuitSep 17, 2024
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...
Unable to Validate DebtSep 17, 2024
Under the FDCPA, if a creditor cannot verify a debt it may not collect the debt, contact the debtor about the debt, or report it to the credit reporting agencie
Loan to Pay Credit CardsSep 17, 2024
Need a loan for credit card consolidation or home repair? Read on to learn your options for secured and unsecured loan, plus government grants...
Balance on a RepossessionSep 17, 2024
See what can happen after a vehicle is repossessed. Get real answers to real world questions at Bills.com
Non-Profit Debt ReliefSep 17, 2024
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...
Credit Card Loan ConsolidationSep 17, 2024
Loan consolidation will not cut your monthly payments. Learn the 4 proven alternatives to a credit card loan consolidation.
Charge Off Credit Union LoanSep 17, 2024
The credit union can charge off a delinquent loan, regardless of what may be surmised from the debtor's intent.