The lowest I can get USAA to agree to on a lien payoff is 25% of $144,000.  Anyone been more successful or have any tips?  USAA tells me the loan was charged off so the seller has NO repayment options.  So, then, what are his options?  DIL?  Foreclosure?  He's not employed - no job - no money.  They certainly don't help their members with short sales, do they?

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