Re: Tiffini Jones Ch. 7 #11-48125

Your client wholly failed to honor its HAMP commitment/obligation and forced my single-parent client into bankruptcy. I doubt my client would now be interested in retaining.

I am anxious to see what the banks plan on doing with the excess inventory of homes they possess in this declining market (especially once interest rates begin to soar). Maybe Chase will incorporate a property management arm.

On Mon, Mar 28, 2011 at 12:27 PM, Juel D. Hinton <jhinton@trottlaw.com> wrote:

Trott & Trott

A PROFESSIONAL CORPORATION

HEADQUARTERS:

31440 Northwestern Highway l Suite 200

Farmington Hills, MI 48334

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GRAND RAPIDS:

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Grand Rapids, MI 49546

616-942-0893 l Fax 616-942-0921

THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT.

ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE

March 28, 2011

Nemer Hadous

Attorney for Debtor

500 N. Beech Daly

Dearborn Heights, MI 48127

Re:         Tiffini Jones

               501 Emmons Blvd

               Lincoln Park, MI 48146-3146

               T&T #368646B01

               Loan #0024262149

               Ch. 7 #11-48125



Dear Mr. Hadous :

We represent Chase Home Finance LLC regarding the above loan.   Chase has requested that we contact you to determine whether your client is interested in non-bankruptcy alternatives to cure the delinquency.

These options may include:

      Modifying the loan - This could involve recapitalizing the delinquent mortgage payments, extending the maturity date, and/or reducing the interest rate. If there are any junior encumbrances, you will need to obtain a subordination agreement from them.

      Selling the property - In situations where the value of the property does not exceed the outstanding debt, compromises can be made to help in the sale of the property at the fair market value.

      Deed In Lieu of Foreclosure - Should a situation arise where the Debtor cannot afford to keep the property, has been unable to sell the property at fair market value, and there are no junior encumbrances, the loan investor may be agreeable to pursuing this option.

My client wants to help its homeowners. We ask that you consult with your client regarding these alternatives. If the Debtor

would like to pursue one of the above options we must hear from you within five business days at Chaselossmit@trottlaw.com.

We will make our best efforts to work with your client; however, we cannot guarantee that any of the above-referenced alternatives will be approved and effectuated. Any agreements reached may require bankruptcy court approval.

Juel D. Hinton

Bankruptcy Transition Team

Trott & Trott, P.C.

Phone # 248-593-0489

Fax # 248-205-4122

This firm is a debt collector attempting to collect a debt. Any information we obtain will be used for that purpose.

To the extent your original obligation has been discharged, or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance and/or informational purposes only and/or is notice of the creditorâs intent to enforce a lien against the property and does not constitute a demand for payment or an attempt to impose personal liability for such obligation

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____________________________________
HADOUSCO. |PLLC
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Nick N. Hadous

Admitted:

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   District of Arizona

   Eastern District of Michigan

____________________________________

Direct: 313.415.5559
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