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.
Debt CollectorSep 16, 2024
A debt collector is anyone who regularly collects debts owed to others. Debt collectors...
Settle with CreditorsSep 16, 2024
Get tips and resources that can help you settle debts with creditors and save you money!
Co-Signed Lease With Friend Who Broke LeaseSep 16, 2024
I co-signed a lease for a friend who later broke the lease. This is now harming my credit score. What can I do?
Motorcycle RepossessionSep 16, 2024
Read about the best way to deal with a motorcycle repossession if you cannot afford the payments. Save money on your repossession with tips from Bills.com
Debt VerificationSep 16, 2024
The standard for validating/verifying a debt are very low. Learn what federal courts say is sufficient validation...
Consolidate DebtsSep 16, 2024
Learn about different options to consolidate various types of debt, all at Bills.com
Minor and Debt ResponsibilitySep 16, 2024
Credit card companies will sometimes approve credit lines for minors, read more about an interesting scenario at Bills.com
Selling Stocks to Pay off Credit Card DebtSep 16, 2024
Selling Stocks to Pay off Credit Card Debt | Before you sell off investments, make sure that you have an emergency fund. Then consult with a professional...
Foreclosure and DivorceSep 16, 2024
A divorce can be complicate as it is, throw in a foreclosure and things can get out of hand if you don't take the proper steps, read all about it at Bills.com
Debt Consolidation Loan Vs. Debt SettlementSep 16, 2024
Learn the difference between debt consolidation and debt settlement in this informative article on Bills.com
How to Contact Creditor to Resolve DebtSep 16, 2024
Get details on how to contact a creditor that you owe, to get the debt resolved. Get more money saving tips at Bills.com
Restrictive Endorsements to Settle DebtSep 16, 2024
A few key problems arise for consumers trying to use restrictive endorsements to create binding settlement agreements, read more at Bills.com.
Personal BankruptcySep 16, 2024
Bankruptcy is one of the most damaging things that can appear on your credit report. However, its effects can be reversed by taking positive steps to soften the
Creditor Increasing Balance After JudgmentSep 16, 2024
Learn about the creditor judgment and wage garnishments in this helpful blog on Bills.com
Credit Card Debt ReliefSep 16, 2024
Read a personal story about credit card debt relief and discover ways to get yourself out of credit card debt. Courtesy of Bills.com - your source for saving mo
Repay My DebtsSep 16, 2024
Free debt help advice to repay my debts.
Am I Responsible for my Mother's DebtsSep 16, 2024
Credit Card and Probate information| Authorized users do not apply for credit or sign a credit agreement, they are not legally liable for the debt. Read about..
Creditor Refusing PaymentsSep 16, 2024
If your creditor refuses your payment it does not meant that you are no longer required to pay the debt. If your payment is refused by your creditor, you need..
New Debt While in Chapter 13Sep 16, 2024
Incurring New Debt in Ch 13 Bankruptcy | While in a Chapter 13 bankruptcy plan, you are strictly prohibited from incurring new debt without receiving prior...
Negotiate DebtSep 16, 2024
Negotiation is a process and just because you have spoken to a judgment-creditor once or twice and got no where does not mean the judgment-creditor will never a
Using Credit Cards in my Mother's NameSep 16, 2024
See what happens if you are using credit cards in your mother's name and cannot make the payments. Learn about credit card collection practices at Bills.com
Father's Debts Appearing on My Credit Report Sep 16, 2024
There is no easy way to fix the problem of a father's derogatory credit items appearing on a son's credit report (or vice-versa). Here is how to start.
Vermont Collection LawsSep 12, 2024
In Vermont, the statute of limitations for open accounts (credit cards) is three years, and written contracts have a statute of limitations of six years.
Debt After DeathSep 12, 2024
You have no personal liability for a deceased spouse's debt if you reside in a common law state. However, the law is more complicated if you reside in a...
Utah Collection LawsSep 10, 2024
Utah Collection Laws | If you are in Utah and a creditor obtains a judgment against you, you face garnishments and levies. Learn how to...
How to Pay off a GarnishmentSep 10, 2024
Let Bills.com give you the help and advice you need to help you resolve a garnishment on account of credit card debt.
Maryland Garnishment RulesSep 10, 2024
Maryland follows the federal rules that limit the amount garnished to 25 percent of the debtor's disposable income, or not less than an amount equal to 30 times
Kansas Collection LawsSep 10, 2024
A Kansas judgment is a declaration by a court that the creditor has the legal right to demand a wage garnishment, a levy on the debtor's bank accounts, and a li
Switch From One Debt Consolidation Program to AnotherSep 10, 2024
Learn about debt consolidation options and more on Bills.com you one stop resource to save money!
Harassment by Debt CollectorsSep 10, 2024
How to deal with harassment by debt collectors. First, learn your rights under the FDCPA. Second, consult with a lawyer when a debt collector...
Massachusetts Collection LawsSep 10, 2024
The statute of limitations for the collection of most consumer debts in Massachusetts is 6 years. The state outlaws foreclosure when a loan modification...
Personal Debt CollectionSep 10, 2024
Personal Debt Collection | When a debt collector contacts you, it is important that you don't ignore the situation. Some collectors can come to your home or...
Collection on Title LoanSep 10, 2024
Collection on title loan |A title loan offers you cash from the lender, with the title of your paid-for vehicle as security. Never take a title loan without...
Right of Reinstatement on Vehicle LoanSep 9, 2024
Right of Reinstatement on a Vehicle Loan | Some states allow a person whose car was repossessed to reinstate their loan, if they can catch up on...
Colorado Lien For Credit Card DebtSep 9, 2024
In Colorado, which is a common law family law state, a creditor may not sue both spouses for one spouse's unpaid debts. Jointly held assets...
How to Cancel Automatic ACH PaymentsSep 9, 2024
I have a dispute with a vendor that is debiting my account. If I close that account and open a new one, will the payments stop?
Co-Signed Credit Card DebtSep 4, 2024
Read on what you can do to take over responsibility for a debt that was co-signed for. Bills.com blogs about real issues faced by real people.
Lexington Financial SolutionsSep 4, 2024
Lexington Financial Solutions | Lexington Financial Solutions branched out from loan modifications into the debt settlement business in 2009. They don't have...
Debt Settlement Collections After SettlementSep 4, 2024
See what you need to do after you finish a debt settlement program. Bills.com, your one stop resource for personal finance questions and answers.
Tennessee Collection LawsSep 2, 2024
Learn the statute of limitations for credit card and other debts, and how Tennessee wage and account garnishment exemptions can shield your assets from...
Oklahoma Collection LawsSep 2, 2024
Oklahoma collection laws are consumer friendly. Learn the statutes of limitations and the standards of proof collection agents must reach to sue a consumer...
Pensions and Credit Card DebtSep 2, 2024
The laws covering what funds are protected against the collection actions of creditors vary from state to state, learn more at Bills.com
Collections on Old DebtSep 2, 2024
How common is it for an automobile to be levied and sold for an unrelated debt? Also, what is a reasonable settlement for $16,000 debt?
Will the TARP Help me with 100K in Debt?Sep 2, 2024
There is nothing currently in the Troubled Assets Relief Program (TARP) to directly assist consumers with rent payments.
Rolling JubileeSep 2, 2024
Collection accounts are bought and sold for pennies on the dollar. An off-shoot of the Occupy movement is raising money to buy & forgive consumer debt...
Can't Pay DebtsSep 2, 2024
Sometimes filing for bankruptcy may be your only option to deal with debts you can't pay, read more at Bills.com
Secured DebtSep 2, 2024
A secured loan is where an object of value is pledged as collateral if the borrower fails to repay the loan. A lender can repossess or foreclose when...
HMDA Map & Your Next MortgageAug 27, 2024
The CFPB's HMDA map can help you better understand the mortgage and refinance market and trends in your county. Learn what lenders seek in loan applications...
AppraisalAug 27, 2024
Much rides on an appraisal. A low appraisal can scuttle a deal, but there are steps you can take if the appraiser sets the value too low...
Fannie Mae Mortgage ReleaseAug 27, 2024
Fannie Mae's mortgage release program gives distressed homeowners the option to live in their homes for 3 months free, or lease the home. There is a catch...