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.
Will Adding My Name To A Mortgage Help My Credit Score?Jul 22, 2024
Mortgage and Credit Score | Will adding my name to a mortgage help my credit score? Yes, but there are three reasons why you shouldn't.
Non-Resident Alien MortgageJul 22, 2024
It is possible for a non-resident alien to get a mortgage in the US, but it is not as easy as it is if you are permanent resident alien.
Non-Owner OccupiedJul 22, 2024
The term non-owner occupied is applied to a single-family home that is rented to tenants.
Chase Home Finance Address in Newton PAJul 22, 2024
What is the address for Chase Home Finance Address in Newton PA?
Mortgage Comparison Jul 22, 2024
I'm looking into buying my first home and I'm wondering which will have the better effect on obtaining a better interest rate: a bigger down-payment or paying
RV with MoldJul 22, 2024
If the mold is due to something that occurred after you purchased it, you could look into hiring a professional mold removal company to cleanup your RV.
Bigger Down Payment or Smaller Existing DebtJul 22, 2024
What offers a better effect on obtaining a lower interest rate: a bigger down payment or paying off my credit card debt?
Do I Need Mortgage Insurance?Jul 22, 2024
The term 'Mortgage Insurance' can refer to several different insurance products. Read up about your options at Bills.com
Improve Credit to Buy a HouseJul 22, 2024
Learn about the different ways, including credit counseling, that can help you improve your credit so that you can buy a house. Get more credit tips at Bills.c
Construction LoansJul 22, 2024
Free advice on how to get a construction loan.
Mobile Home LoanJul 22, 2024
Should I refinance my Mobile Home Loan or just let them have it.
Right of RedemptionJul 22, 2024
Right of redemption allows former owners who have had a vehicle repossessed or home foreclosed upon to reclaim the property.
Revolving DebtJul 22, 2024
Learn about the difference between simple interest and the interested calculated for revolving debt.
HCA Patient Financial AssistanceJul 22, 2024
HCA hospitals and HCA surgery centers offer charity and discount programs for people who can show they have limited income. If you do not quality, you have...
Garnishment Applied to Wrong AccountJul 22, 2024
What to do if a wage garnishment for a student loan is applied to the wrong account. First, contact the collection agent. Next, consult with a...
Medical DebtJul 22, 2024
The Medical Debt Responsibility Act of 2013, if passed into law, would require credit bureaus to remove settled but formerly delinquent medical debt from...
Remove Cosigner on a LoanJul 22, 2024
I bought a motorcycle. Now, a year later, the finance company won't honor a clause the dealer wrote into the loan. What can I do?
Maryland Collection LawsJul 22, 2024
Learn the statute of limitations for credit card and other debts, and how to apply for a $6,000 account levy exemption available to Maryland residents...
Will a Cease-and-Desist Letter Work With Payday Loan Companies?Jul 22, 2024
I have sent cease and desist letters to three payday loan companies. What will they do now and what should be my next step?
Lexington Law Firm & BankruptcyJul 22, 2024
Lexington Law Firm cannot promise it will remove a bankruptcy from your credit report, but it can say it will try. If you actually filed for BK, don't expect...
Community Debt After DivorceJul 22, 2024
Learn about California Community Property Law and see how it could effect your debt responsibilities if you are going through a divorce.
Consolidate Debt & DivorceJul 22, 2024
Debt consolidation & divorce don't often go together, but there's no reason a divorce should stop you from consolidating debt. How to consolidate debt and...
How to Settle a JudgmentJul 22, 2024
You want to buy a house, but have a judgment against you. How to settle the judgment without spending your down payment.
Stop Debt Collection ThreatsJul 22, 2024
Debt collector threats can be very stressful. Learn what to do if a collector threatens you with arrest, wage garnishment, visiting you at work, or taking...
Domesticate a JudgmentJul 22, 2024
When a creditor domesticates a State A judgment in State B, it is possible that it will garnish the debtor's wages, levy the debtor's bank accounts, or place a
Vehicle Repossession and Summons Jul 22, 2024
I can't afford payments on a repossessed vehicle I co-signed a loan on. The company is now issuing a summons. How can I deal with this?
Creditor Trying to Collect on Forgiven DebtJul 22, 2024
Learn about rules regarding debt charge-off and what the ramifications might be there for you after a debt has been charged off. Bills.com is your one stop res
Tactics Used by Debt CollectorsJul 22, 2024
Debt collectors are infamous for their dirty tactics to trick you into a payment. Learn how to deal with debt collectors with the help of Bills.com
Paying Down DebtJul 22, 2024
If I get a partial lump sum of what I owe to my creditors, which debts should I pay?
Reverse Mortgage GarnishmentJul 22, 2024
Can proceeds from a reverse mortgage be garnished, such as to pay off a debt? The answer is unclear.
Credit Score Medical DebtJul 22, 2024
Medical debt can harm your credit score, but only if the debt is so delinquent it lands in the hands of a collection agent. Take steps to avoid collections...
$60K in DebtJul 22, 2024
I have a small trucking company and have acquired $60,000 in credit card debt.Is there a loan I can get now to minimize the interest rates without hurting my cr
Community Health Systems Financial Assistance ProgramJul 22, 2024
Community Health Systems (CHS)'s 135 hospitals and care centers offer charity and discount programs for low-income people. Talk to a financial counselor in...
Common Non-Law and DebtJul 22, 2024
If I pay an amount on my credit card every month (it is currently 45 days late), can its collections department still call me about the debt?
Borrower Liability after Vehicle RepossessionJul 22, 2024
Borrower Liability after Vehicle Repossession | Because deficiency balances on automobile loans can cause a significant financial hardship and have a strong...
Mortgage Charge-Off & ForeclosureNov 28, 2023
Charge-off is an accounting term used by creditors when they move a delinquent account from its accounts receivable books to its bad debt ledger.
Medical Debts Incurred by MinorNov 27, 2023
State law sets whether minors have liability for medical debts they incur. How a state views the doctrine of necessities may offer a clue...
Credit Card Debt ForeclosureNov 27, 2023
Can credit card debt lead to foreclosure? The answer is NO! Find out more in this insightful article.
Change Credit Card OwnerNov 7, 2023
There are two ways to take full responsibility for a credit card balance on on a joint account. You can either call your present card issuer and...
CROA- Your Credit Repair RightsNov 2, 2023
The Credit Repair Organizations Act (CROA) gives consumers the right to study a credit repair contract for 3 days and cancel it. CROA also requires credit...
Medical Bill PaymentsNov 1, 2023
Need help with medical bill payments? Bills.com has some good advice.
Secured Credit CardNov 1, 2023
A secured credit card can help you build your credit history and credit score if you have not applied for or paid any loans in the last 10 years. Build...
Credit File and EmploymentMar 7, 2015
Does employment history effect your credit rating? Find answers to questions such as these and more at Bills.com
Student Loan ForbearanceMar 4, 2015
Student Loan Forbearance & Deferment | Learn the two main options you have to suspend student loan payments. Also, learn your options to cut payments...
My Spouse's Employer Stopped Deducting Taxes From His PayFeb 19, 2015
My husband's employer recently stopped deducting taxes from his paycheck. They say it's an Obama tax plan. Do you know of any plan in the works to account for t
Property Tax Interest Rate in KentuckyFeb 19, 2015
What is the interest rate on delinquent property taxes in Kentucky?
Cancelled Debt is TaxableFeb 19, 2015
If you resolve a debt with a creditor to repay a debt for less than the balance due, this is considered income for tax purposes.
Gift and Capital Gains TaxFeb 19, 2015
Get advice on how best to handle issues relating to gift and capital gains tax. Bills.com can help you save on your taxes.
Can My Father's Social Security and Pension be Garnished?Feb 19, 2015
Social Security and Pension Garnishment | If a judgment has been issued against a debtor a wage garnishment might be issued. Pension and social security is...
Defined Benefit Pension & AnnuityFeb 19, 2015
Defined Pension Benefits and Annuity | IRAs have clearly defined rules for when the account holder can access the funds without penalty. Also, if the account...