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.
Consolidate Debt into One Monthly PaymentAug 8, 2024
If you are seeking to Consolidate Debt into One Monthly Payment, let Bills.com help you find the best solution for your needs so that you can get a low payment
Foreclosure and BankruptcyAug 8, 2024
Foreclosure and Chapter 7 Bankruptcy | Look for alternatives to foreclosure, such as a deed in lieu of foreclosure. Before looking to bankruptcy, consult with..
American Express Debt SettlementAug 8, 2024
American Express | If the creditor sends you an unsigned document it may not be considered a contract, but instead may be considered an offer or counter-offer.
Bankruptcy ProtectionAug 8, 2024
Advice you need on bankruptcy protection, and how bankruptcy can help delay foreclosure.
Bankruptcy, Reaffirmation, & Short SaleAug 8, 2024
If a debtor never reaffirmed a mortgage, then he or she has no personal liability for the mortgage. Therefore, a short sale is unnecessary to avoid liability fo
Best Debt OptionsAug 8, 2024
We will quickly find the best debt consolidation options for you to get debt free fast.
Domino StrategyAug 8, 2024
The domino strategy retires debt at the lowest cost in interest. It is also effective because it tends to build a person's credit score. I think your plan is so
Find AttorneyAug 8, 2024
Find Attorney | Ask your friends and family if they have any recommendations. Learn about some of the key questions to ask an attorney before hiring, and ...
Charge Offs & SettlementAug 8, 2024
You can reach a debt settlement before charge-off. A quick settlement benefits both sides, and may cause less damage to your credit score...
Cable Bill ConsolidationAug 8, 2024
Can Cable bills be consolidated?
Old Judgment CollectionAug 8, 2024
A creditor is garnishing my wages for a debt that is 10+ years old. How is this possible?
Get It In WritingAug 8, 2024
It is unwise to believe the promises of a negotiator who refuses to put a settlement agreement in writing. Our advice? Get it in writing!
Sell TimeshareAug 8, 2024
Sell timeshare | Selling a timeshare is difficult. Prices are low and it is a buyer's market. Free tips on how to sell your timeshare from bills.com.
Target VisaAug 8, 2024
Target National Bank may increase your interest rate to the default rate if you ever charge over your credit limit or miss your payment due date.
Spousal Support and Credit Card DebtAug 8, 2024
Spousal Support and Credit Card Debt | Changes in spousal support payments should be authorized by the courts. Unilateral action by the one party can cause...
Discharge and HELOCAug 8, 2024
Bankruptcy Discharge and HELOC | Ask an attorney what to do about the HELOC and see if it can be discharged in your bankruptcy. If you chose to do a lump-sum...
Citibank Hardship ProgramAug 8, 2024
Citibank Hardship Program | If you are having problems paying back your credit card debt, then speak to your bank. Citibank has a hardship program, but you...
Mortgage Payment Coupon BookAug 2, 2024
Need help getting your mortgage payment coupon book? Let Bills.com help you for free with advice and tips.
Quiet TitleAug 2, 2024
Quiet title | An action to quiet title is a lawsuit brought in order to establish a party's title to real property. Due to the problems with MERS, anyone...
Spouse Not On MortgageAug 2, 2024
The letter to the county clerk is often just called 'recording instructions' or something equally non-descriptive. It is prepared by the title company or escrow
Sell My HouseAug 2, 2024
Sell My House Back to the Bank | Banks don't take homes back easily. Try modifying the mortgage to avoid foreclosure. Also, look into a deed-in-lieu or...
Mortgage CalculatorAug 2, 2024
Mortgage Calculator | Mortgage Calculator tips from bills..com Use our easy-to-use mortgage calculator to see which which mortgage loan is best.
Mortgage ScamAug 2, 2024
Mortgage Scam | The details of a mortgage can be complex. Mortgage scams often involve land speculation, straw buyers, inflated appraisals and...
Name On MortgageAug 2, 2024
Make one spouse a financial and credit history life boat. If a couple's financial world is turned upside down one spouse will have a strong credit history to re
RESPA & Escrow AccountAug 2, 2024
Under RESPA, a mortgagee is allowed to require an escrow account as a condition of you, the mortgagor, doing business with it.
Handyman SpecialAug 2, 2024
If the value of comps are in the $26,000 range, then you should pay $1,000 because the appraisal price is unrealistic and $1,000 is what the net value of the ho
Mortgages FAQAug 2, 2024
Learn how much you can afford to borrow, and how to qualify for a mortgage.
REO RentalAug 2, 2024
REO to rental idea advanced by Federal Reserve aims to stabilize home prices by selling foreclosed homes as rental units.
Mortgage Application StepsAug 2, 2024
Applying for a mortgage, whether a refinance or a purchase, takes time and effort - understand the steps.
Community Property DebtAug 2, 2024
Community Property Debt | Assets and obligations of one partner acquired during the marriage become 'community' assets or obligations. This can mean one...
New York Collection LawsAug 2, 2024
Learn how New York law protects you if you are threatened with a lien, account levy, wage garnishment, repossession or foreclosure. Payday loans are illegal...
Excessive Towing FeesAug 2, 2024
My car was towed, and now the towing company wants to sell my car. What can I do? Contact an attorney in your state immediately and raise the money to pay the s
Credit Card Debt in ColoradoAug 2, 2024
My husband was sued in Colorado for a credit card debt incurred in Vermont but agreed to in Arizona. What law applies?
Collection Agency InterestAug 2, 2024
Can A Collection Agency Continue to Charge Interest on A Charged Off Account?
Father's Credit Card DebtAug 2, 2024
My girlfriend's father opened numerous joint account credit cards when she turned 18. He filed for bankruptcy a few years later but did not include the credit c
Minnesota Collection LawsAug 2, 2024
Learn the statute of limitations for credit card and other debts, and Minnesota's peculiar mortgage anti-deficiency laws. A Minnesota judgment becomes a lien...
Midland Credit ManagementAug 2, 2024
Midland Credit Management collection agency calling you? Take these 3 steps if Midland Credit Management calls you to collect a debt. First...
Increase in Debt BalanceAug 2, 2024
Unless a creditor has charged a higher rate of interest than that allowed by your credit agreement, you probably have little recourse in forcing the creditor to
Mortgage When Spouse DiesAug 2, 2024
A bank may be able to call a mortgage when a spouse dies. your spouse who has a mortgage dies, you may be able to keep making payments and remain in...
Settle a LawsuitAug 2, 2024
Settling with your creditors is a fairly straightforward process, but one which can be intimidating to many consumers. Learn more about the process at Bills.com
Debt Consolidation & Mobile HomeAug 2, 2024
Finding a debt consolidation loan using a mobile home as collateral is possible but challenging. Consider your alternatives, which include...
Deal Or No Deal Aug 2, 2024
We were forced to sell our home through a short sale and our second mortgage left us a charge-off of 66k. We have been offered a 10-year settlement plan. Is thi
What Happens if I Do Not Have Enough Money To Pay A Deficiency Balance?Aug 2, 2024
If I do not have enough money to pay a deficiency balance, what will happen?
Virginia Collection LawsAug 2, 2024
Learn the statute of limitations for credit card and other debts, and how to apply for a $5,000 wage and account garnishment exemption available to Virginia...
Repay Gambling DebtAug 2, 2024
Some state courts will hear cases relating to gambling debt, and others will not. Failure to pay a casino marker may fall under a state's bad check laws...
Consolidate Student Loan Debt With Credit Card DebtAug 2, 2024
It's not easy to consolidate student loan debt with credit card debt. If you're house-rich but cash-poor, consider a cash-out refinance. Otherwise, you will...
Cosigner MortgageJul 22, 2024
There is no requirement that I am aware of that requires a co-signatory on a mortgage be consanguineous.
Selling HomeJul 22, 2024
My new spouse and I each own a house and would like to sell them and buy a different one. How do we negotiate the mortgages?
Capital Gains and IncomeJul 22, 2024
While capital gains is considered as income by the IRS, it does not qualify as income when applying for a mortgage.
Subordination FeeJul 22, 2024
It is very common for the borrower to pay subordination fees. The second mortgage belongs to the borrower and most likely it is the borrower requesting to keep