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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
  • New Jersey Mortgage Fraud Cases Fit For a Movie
    Three mortgage fraud cases out of New Jersey -- one involving a former mayor, another involving a mob accountant and a third involving a reality TV star -- are the stuff of movies.

    In December 2009, Andrew Lucas and a relative presented an application to finance the purchase of a farm in Manalapan, N.J.

    Lucas, 37, sought a mortgage in the amount of $525,000, and he submitted a loan application to a bank located in the Garden State.


  • Mortgage Firm With Several M&As Being Acquired
    A mortgage company that has completed five mergers and acquisitions over the past seven years is now, itself, the target of an acquisition.

    In May 2007, Comstock Mortgage acquired Sac 1st Mortgage. Four months later, Sacramento-based Comstock merged with ATM Mortgage.

    Then, in August 2009, Comstock merged with Mortgage Resource Network. That transaction came on the heels of Comstock's acquisition of First Security Mortgage.
  • Weekly Mortgage Business Flat as Rates Rise Again
    New mortgage activity crept higher this past week and might have been even more robust were it not for an increase in interest rates.

    The U.S. Mortgage Market Index from LoanSifter/Optimal Blue and Mortgage Daily, a reflection of average per-user pricing inquiries by clients of LoanSifter, was 160 for the week ended Friday.

    That was an improvement from the prior week, when the index stood at 158, but lower than the 201 level in place during the same week last year.


  • Best Handlers of Mortgage Leads
    In a ranking of network lenders who compete for mortgage leads, a company operating from the Empire State maintained its top standing.

    The lender ranking was determined through customer ratings and reviews from April 1 through June 30 of this year.

    Mortgage firms were rated based on mortgage rates, fees and closing costs. Also factored in were lenders' responsiveness, customer service and borrowers' overall experiences.


  • LOs Closing More of Mortgage Applications
    Residential loan originators are working harder to close loans, pushing up the closing ratio. The only product to see diminished productivity was government-insured refinances.

    August's closing ratio was 61 percent. The rate reflects the percentage of loan applications started during the previous 90-day cycle that have closed.

    Mortgage originators improved on the previous month's level of productivity, when the closing rate worked out to 58 percent.


Fedral Reserve News

All recent press releases from the Federal Reserve Board