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Lifeline Debt Settlement Are you ready to take the first step to living a debt-free lifestyle? Simply fill out the form, located to the right, and begin your journey to living debt-free. Once submitted, your request is carefully reviewed and one of our Representatives will telephone you to discuss creating a program tailored to your unique situation. Remember, our consultation is free, designed to benefit you and answer your questions - all without any obligation.
Mortgage Need Help? Some people have expressed skepticism that you can actually do debt settlement on their own using our strategy or other creative methods of settling debts. Read letters from readers who were highly successful. Lifeline Settles your debt and help to build your credit back. Before you do anything, you should realize that the process of rebuilding your credit takes some time.
Need A Reverse Mortgage When life gets tough and you need some help paying those monthy bills, your mortgage may be able to help call 1(877)-LIFE-631 and find out how a reverse mortgage can put a new turn on to your life. Grab The LIFELINE

Settling Debt Nationwide!

Our attorneys have been setteling unsecured debt since 1978 ! Our National average is .40 cents on the dollar. They have settled over 30 Thousand accounts and counting to date.

Free Debt Settlement Consultation

Are you ready to take the first step to living a debt-free lifestyle? Simply fill out the form, located to the right, and begin your journey to living debt-free. Once submitted, your request is carefully reviewed and one of our Representatives will telephone you to discuss creating a program tailored to your unique situation.

Remember, our consultation is free, designed to benefit you and answer your questions - all without any obligation.

If you are in need of credit repair, debt settlement could be one of the culprits behind your low credit score. Debt settlement can be devastating to a credit score and cause you many financial troubles. However, you can repair your score in time. Here are some things to consider about repairing your credit score after debt settlement.

Things to Remember When Before we Negotiate
Whether you negotiate on your own or hire our debt negotiation service, keep the following things in mind:

•The amount you can afford to pay. This should be a reasonable amount and often 40-60% of the total debt. Low-ball offers will be rejected immediately.
•Creditors aren’t required to negotiate. They often will, if the next option is bankruptcy, but don’t expect them to make it easy for you.
•Negotiation is a process. When you negotiate, you make an offer and your arguments. Expect them to make a counter-offer and counter-arguments.
•You’re negotiating with a person. If you’re friendly and professional, they will be as well. Explain your situation in personal terms without becoming emotional. Listen to their arguments and answer them clearly. Your job is to convince them to see your side. Their job is to convince you to pay more. If you both play your roles properly, you’ll reach an agreeable settlement.


Negotiating debt is difficult and scary for most people, but it can be done. If you don’t succeed on your own, hire a professional to do it for you. You can get help for your debt.

We try to avoid bankruptcy using our Lifelines attourny based negotiation such as

•Chapter 7 liquidation allows businesses and individuals to cancel all debts through a process of selling assets. A judge determines which debts take top priority and assures the debtor pays out as much as possible through the process.
•Chapter 11 restructuring typically deals with businesses who would like to stay in business and maintain control of assets. A judge restructures debts and sets up a new payment plan to allow this to occur.
•Chapter 13 restructuring typically pertains to individuals who would like to hold onto assets while repaying debts. 
 
 

 

 

Mortgage

Mortgage Industry News for the Mortgage Industry
  • Provident Originations, Servicing Up, Staffing Off
    Although there was a quarterly blossoming in originations and servicing, Provident Funding Associates LP fell short of a year earlier. Employee headcount was off but up slightly in the yearly comparison.

    In the second quarter, residential loan originations at the Santa Rosa, Calif.-based company climbed 41 percent from the first three months of this year.

    The mortgage production statistics were among several quarterly metrics reported by Provident as part of the Mortgage Daily First Quarter 2014 Mortgage Origination Survey.


  • CMBS Delinquency Rate Ekes Out an Improvement
    While it wasn't by much, the rate of past-due payments on securitized commercial real estate loans managed to move lower this month.

    Although July isn't yet over, the performance metrics are in -- and delinquency of at least 30 days on commercial mortgage-backed securities loans was down 1 basis point from June.

    The rate late payments on CMBS loans has declined each month since May 2013 -- when it stood at 303 basis points higher than during the most recent month.


  • Homeownership at Lowest Rate in Nearly 2 Decades
    The share of Americans who own a home has fallen to the lowest level in nearly two decades. People under 35 and Southern California residents have the lowest rates.

    A government report for the first quarter of this year indicates that 64.8 percent of U.S. home are occupied by the owner.

    The last time that the home ownership rate, which is seasonally adjusted, was this low was in 1995, according to historical data.


  • Home Price Gains Lose Momentum
    While home-price gains seem to have lost some of their momentum, economists say that the market is just normalizing.

    Compared to a year earlier, the S&P/Case-Shiller 20-City Composite Home Price Index increased 9.3 percent in May.

    That was a significant decline from a month earlier, when year-over-year appreciation was reported at 10.8 percent.


  • HomeStreet Mortgage Originations Soar
    Quarterly residential lending activity shot up at HomeStreet Inc., and the company expects full-year activity to exceed last year's production level.

    HomeStreet said in its quarterly earnings report that it originated 63 percent more in home loans in the three months ended June 30 than it did during the first quarter.

    But compared to the same three-month period last year, residential loan originations at the Seattle-based firm have subsided 38 percent.


Fedral Reserve News

All recent press releases from the Federal Reserve Board