Has anyone had trouble with a stand alone 2nd(Chase) with a relatively small balance ($18k) with getting them to negotiate ?  The first is willing to come up with 10% and our client is willing to do a prom note for less than due....Chase offered $7k cash now re-nigged and now wants full amount...

They claim that between our single woman's assets $10k in savings, 12k in 401k, 10k life insurance that she is capable of coming up with 18k....

I have had ppl with far greater assets be fully forgiven....anyone else seen this strong arm tactic from Chase? 

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