I am doing an FHA equity loan and have 3 credit card liens on my property, . 2 with Discover and 1 with FIA. I have an attorney negotiating for lowering and paying off these debts with my loan monies. We are ready to close but need negotiated letters of amounts to settle for. These 3 debts have been renewed. The Discover debts were renewed after 7 years in 2019. The FIA debt was renewed 3 years ago which makes that debt over 10 years. We have finally heard from FIA with a lowered number which we may tune up a little but seem to be getting the run around with Discover. They all know that if I do not get a decent negotiated settlement that I would file for a chapter 7 bankruptcy to relieve all debt and have a clear title to my home. What do you think is holding up the Discover lawyers? Its like take 50 or 60 % or get nothing down the road. Question, what can be done to get something done? There was a deadline to meet which has passed to close the loan at 3.75%. I have to do an extension that will will cost me $2,000 at closing to keep my 3.75% loan rate. Many times Discover does not answer my lawyers emails and you cannot negotiate on a phone conversation. What do you recommend? Alex from Canton, Georgia