A relative of mine has a 1st for $100K with ABC bank and a 2nd for $33K with Chase. House value is $135K. Had a Chapter 7 Discharge in August 2018 and did not reaffirm the 2nd. She has always paid the 2nd and even continued to pay it after the Discharge. Just stopped paying it in April 2019. Received a Certified Letter as required by law that she was past due and she risks foreclosure, etc. She is on permanent disability and would like to settle. She can pay $3,500, so is that a reasonable settlement offer? Should she write a offer letter directly to Chase or have her attorney do so and ask for satisfaction and release of the lien. Thanks!