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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
  • CMBS Delinquency Down Again
    Secondary activity, the book of business and mortgage delinquency all moved lower at the Federal National Mortgage Association.

    Fannie Mae reported in a monthly operational summary that it had 7 percent less in new business acquisitions during October than a month earlier.

    An even bigger decline occurred compared to a year earlier at the Washington-based firm, with a year-over-year drop of 14 percent reported.
  • New and Pending Home Sales Disappoint
    Separate reports on new home sales and pending home sales provided little optimism about the U.S. housing market.

    During October, the seasonally adjusted annual rate of new single-family home sales came in at 458,000.

    That was a slight improvement over September, when the rate was 455,000. The prior-month rate was revised down from 467,000 originally reported.


  • GSE Refi Activity Jumps to 2014 High
    Refinances of government-sponsored enterprise home loans climbed to the highest level during any month so far this year.

    Mortgage loan originators refinanced a total of 138,510 Fannie Mae and Freddie Mac residential loans during the month of September.

    In addition to exceeding the 131,075 GSE refinances completed a month earlier -- volume was higher than in any other month this year.
  • Bank Employment and Mortgage Originations Decline
    The number of federally insured banks in business continued to diminish -- as did mortgage originations, assets and employees. Earnings and commercial mortgage holdings, however, grew.

    There were 6,589 active banks as of the third quarter, fewer than the 6,656 financial institutions in the second quarter and 6,891 in the third-quarter 2013.

    Commercial banks represented 5,705 of the third-quarter count, and savings institutions made up another 884.
  • GSEs to Relax Policy on REO Sales to Former Owners
    Fannie Mae and Freddie Mac are relaxing their policies on the sale of foreclosed properties to the former owners.

    Under the pair of secondary lenders' current policies, a borrower whose loan was foreclosed can only purchase the former residence by paying the balance in full.

    The requirement also applies when another third party purchases the real-estate-owned asset on behalf of the former borrower.

Fedral Reserve News

All recent press releases from the Federal Reserve Board