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.
Michigan Spousal Liability for DebtSep 17, 2024
Spousal Liability in Michigan | If both spouses sign a debt agreement both are jointly liable to the creditor. But, if only one spouse signed the agreement...
Wisconsin Wage GarnishmentSep 17, 2024
Wisconsin Wage Garnishment for Spouse's Debt | Wisconsin is a community property state. Generally, a spouse has liability for the other spouse's debts, but...
New York Statute of LimitationsSep 17, 2024
According to the Laws of New York CVP Article 2 section 213, a plaintiff has six years to take action on a contractual obligation or liability.
Find Attorney in CaliforniaSep 17, 2024
Talk with an attorney who can interview you in person and suss-out the relevant facts in your situation, and review your documentation.
Georgia Spousal Liability for DebtSep 17, 2024
If the spouses never resided in a community property state, and only one spouse signed the loan contract, then the signatory-spouse is liable for the debt only.
Texas Truck RepossessionSep 17, 2024
Your case involved a lease contract I have not read. You have the added complication of a spoken contract that apparently modifies the terms of the written cont
National Action Financial ServicesSep 17, 2024
Just because National Action Financial Services has access to the credit reporting agencies and learned your contact information does not mean you owe a debt.
Splitting Credit Card Debt in DivorceSep 17, 2024
A divorce decree does not trump the contract terms in a loan. The contract was agreed to when the loan was signed by you and/or your spouse. The divorce did not
Remedies & Common LawSep 17, 2024
An original creditor is not required by law to notify a debtor it sold the debtor's collection account to a third party. Therefore, I do not see any illegal act
Garnished Without NoticeSep 16, 2024
I was told by my employer they received an order to garnish my wages. I was completely unaware of this. Is there anyway to get a garnishment removed from your c
Bare Collection AccountSep 16, 2024
If a collection agent cannot validate/verify the debt, collection activity on that debt must cease. Additionally, that debt that cannot be reported to the credi
How to Settle with CreditorsSep 16, 2024
Get tips on how to deal with creditors in order to settle your old debt. More tips are available at Bills.com
Wage Garnishment on Account of a Repossession BalanceSep 16, 2024
Learn how to deal with repossession deficiency balances so that you can avoid wage garnishment. Learn more at Bills.com
Negotiating DebtSep 16, 2024
Negotiating Debt | Free tips on how to save money when resolving your unsecured debt. Learn the tactics you need to use to settle your debt. Start by...
Liable For Deceased Spouse's Debts?Sep 16, 2024
You may or may not be responsible for your deceased spouse's debts depending on which state you reside in. In community property states, you may have...
Credit Cards and Community Property LawSep 16, 2024
Learn about community property law when it pertains to credit card debt collection. Read more at Bills.com you one stop resource for personal finance help.
Fake Debt CollectorSep 16, 2024
Fake Debt Collector | Just because a voice on the telephone claims you owe a debt does not mean you owe it. Take these 4 steps when a collection agent calls...
Drop in Income During Chapter 13Sep 16, 2024
Information on available recourses if you are experiencing a drop in income during a Chapter 13 bankruptcy filing. Bills.com has more free resources to help yo
GI Loan DefaultSep 16, 2024
Get information on recourse options available to creditors of GI loans in default. Learn more at Bills.com
Charge OffSep 16, 2024
A charge-off will appear on your credit report and harm your credit score. If an account is charged off, you still have an obligation to pay the debt.
Delray Credit CounselingSep 16, 2024
Delray Credit Counseling overview.
Collection Efforts Authorized UserSep 16, 2024
Collection companies can be unscrupulous in their efforts, learn about your rights as an authorized user in this article on Bills.com
Liable for My Deceased Wife's Debts?Sep 16, 2024
When a person dies, his or her debts do not disappear automatically. However, the family is not responsible for the debts. Learn the process to handle a decease
Debt Settlement AdviceSep 16, 2024
FREE Debt Settlement Advice | Debt settlement advice can be confusing. Find out what you need to know about Debt Settlement, so you don't end up in trouble.
Charge Off & Merged BanksSep 16, 2024
Charge off & Statute of Limitations | Free tips from bills.com about debt collection on an account in charge off status and the statute of limitations for debt
Debt Consolidation Options that Don't Require CollateralSep 16, 2024
Debt consolidation options that don't require collateral | Good income but are struggling with your debts? Don't have collateral? Learn how to consolidate....
Tennessee 39-14-116. Hindering secured creditorsSep 16, 2024
Tennessee is unique in that it criminalizes what is most often a civil matter in other states.
Restart Statute of LimitationsSep 16, 2024
You do not reset the statute of limitations on your debt when you move to another state. However, your new state may have a different statute of limitations...
CashCall Loan CollectionSep 16, 2024
CashCall Loan Collection | CashCall avoids state usury laws, which limit the maximum interest rate charged to a consumer, by partnering with a bank...
Help with Credit Card DebtSep 16, 2024
Looking for credit card debt help and a fresh start? Let Bills.com be the first step to help you find the best solution.
Comience A Ahorrar AhoraSep 16, 2024
Incluso si usted tiene prestamos de estudiante, usted necesita comenzar a pensar como va a pagar su deudas despues de la universidad.
Upside Down on LoanSep 16, 2024
See what you can do and the steps you need to take if you are upside down on your loan. Get free help at Bills.com
Estimate credit card paymentsSep 16, 2024
Monthly payment on your credit card would depend on your interest rates, repayment period and any fees that are charged on your card. Get more money saving tip
Doctrine of NecessariesSep 16, 2024
A 50-state plus D.C. table outlining the doctrine of necessaries -- also called the doctrine of necessities. Learn if you must pay your spouses's medical debts.
Need Help With Credit Card DebtSep 16, 2024
Get advice on best ways to get out of credit card debt. Bills.com has more money saving tips to help you Find. Learn. Save.
Consolidate Debt Collector AccountsSep 16, 2024
In theory, you can consolidate all accounts that are with debt collectors into one account. As a practical matter, you may not be able to. Here are ways to...
Full Payment After a RepossessionSep 16, 2024
See what can happen after a vehicle is repossessed. Read more about payments after repossession at Bills.com
ProbateSep 16, 2024
Family members are not responsible for a deceased person's debts. However, a deceased person's debts are not canceled upon death, either.
Credit Card Minimum PaymentSep 16, 2024
Credit card balances fall, and Bills.com believes it is due to people exceeding their minimum payments. Use this calculator to learn how much you will save.
Collection Agency FeesSep 16, 2024
Consult with an attorney in your state who has experience litigating consumer law. In my opinion, you may have a viable argument to reduce the fees collection a
Judgment on a Business DebtSep 16, 2024
Debts that you are a guarantor for, may not be reflected on your credit report. Read more to learn about the effects of a judgment on a business debt.
Debt Consolidation with High Debt to Income RatioSep 16, 2024
High debt to income ratio preventing you from debt consolidation? Let Bills.com give you the helpful tips and resources you can use to save more!
Old Credit Card Debt That's been SoldSep 16, 2024
See what resources are available to you to settle old debt that has been sold to collection agencies. Bills.com has the information to help you Find. Learn. Sa
Social Media Debt CollectionSep 16, 2024
Social Media Debt Collection | Bills.com lists 10 uses of information gathered from social media that may surprise users. Don't be surprised if...
Liability For Ex-Husband's MortgageSep 16, 2024
Am I Liable for my Ex-Husband's Mortgage | Learn about one particular scenario where an ex-husband refinanced without his ex-spouse's knowledge and....
Student Loan Consolidation RatesSep 16, 2024
The rules are different for federal student loan consolidation and private student loan consolidation. Review the differences at bills.com
Save or Pay-Down Credit CardSep 16, 2024
Should I keep my savings or pay-down my credit card? The answer is to keep your savings as an emergency reserve.
Voluntary Repossession of RVSep 16, 2024
We are about to surrender our RV to Wells Fargo. They want us to sign a paper saying we are liable for the deficiency balance. Should we?
Getting Sued by a CreditorSep 16, 2024
See what steps you need to take if you are getting sued by a creditor. Bills.com has the tips and resources you can use to settle a legal suit by a creditor
Owe Money to Social Security AdministrationSep 16, 2024
Owe Money to Social Security Administration | If you receive an overpayment from Social Security, you have to repay the money you received. You could face...