Chase Charged off and discharged mortgage but still want to be paid off

Guys any insight would be appreciated for this issue. Basically sellers have 2 liens, 1st SPS who approved the short sale taking a huge hit and 2nd Chase who discharged the mortgage and is now demanding to be paid off or it stays on the seller's credit report. One borrower (the dad) filed bankruptcy a couple of years ago so he's fine but the other borrower (daughter) hasn't and does not want to. She doesn't have any other debt and her credit is finally gotten better now that she's out of school and paying her student loans. I put in a complaint to the CFPB because they have been instrumental in other tough deals but I don't know how many options we have. There's no way they can pay off Chase with what they bring in, not that they would be willing to. I feel it is a scam to get more than what they would get in a short sale but regardless of how scammy chase is I still do not know how to help them. Any ideas?

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What I am interpreting is that the concern of the daughter is the affect on her credit if CHASE agrees to short sale. And you are saying CHASE will require a full payoff to show Paid in Full on her credit  First, was this submitted as a HAFA short sale to both lenders? If so CHASE knows they only get $8,500.00 and not a dime more  (No one can contribute any more $ to them).  The other issue is that if this is a charged off loan than it will show that on each borrowers credit record. Her credit has already been affected.  I do not see any scam by CHASE here 

Chase has refused to process this as a short sale. The daughter wants to do the short sale, what she doesn't want is the bankruptcy. Chase released the lien so that means that according to them they cannot do the short sale. We can go ahead and update the 1st and get that done that's fine, not great but doable. But then we have this outstanding debt with Chase that is no longer able to be resolved. They are only willing to accept a full payoff and they are framing the discharge as though it helps the seller because title is clear but it doesn't because she will carry this on her credit longer and in a much worse way than with a short sale.  

Ok thats more information.  Has anyone proposed a settlement to CHASE?  Because what they now have is a unsecured debt. So if they have released their lien then go ahead an close the sale.  Chase is out of the picture 

Not yet, they said they mailed out a payoff and we have to wait til it arrives. The problem obviously being that what we have been told repeatedly is that there is no negotiation but we will attempt regardless. The sellers do not have anything to offer though so we will see how low we can get it but our goal is to try to find a way to get it forgiven since they were not given the opportunity to short sale. I just wanted to see if anyone had any other options that we haven't already looked at. 

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