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I am sorry to hear about this situation. Someone in your situation may have to threaten (or actually file) a suit for clear title
. This is a kind of lawsuit which asks the Court for confirm issues of any clouds or claims to the title of a home, and "clear" the title if need be. Once the Court confirms that the mortgage has been paid off (by the letter, testimony
by you, perhaps any documentation left from 1997 aside the letter, etc), then Chase would have discharge the mortgage formally (or the court will simply order it discharged).
The winner can often ask for legal fees. If the court finds that Chase has been malicious or grossly negligent, it can even order punitive damages
Therefore, the first step would be to send a demand letter from an attorney demanding the discharge or a suit would follow.
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