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Q: timing chain/bent valves on 1999 Chrysler Concorde

I want to than autotechpat for the response given. The next morning we got up and ticking noise was gone. Drove 40 miles. Car died like someone pulled battery. Car would try to start but wouldn't start. Took to VIP - not reliable due to age of "mechanics" told by many sources. VIP says timing chain snapped and valves bent. Went back to car, tried ether to get car to catch. White smoke out of tailpipe, one loud noise from rear of car. Smoking from hose over battery. Took off cap to see valves - couldn't see one. No rattling, banging or vicious shaking of engine. Just won't start. Is the timing chain really broken? Are valves really bent? THey put it up to a diagnostic, but they came back with answer so fast we are suspicious. Plus one tech offered to buy car for $200. Car has no rust and many brand new parts (brakes, rotors, sway bar lifts, ball bearing joints, new rear end). I will have a $350 car payment Monday morning if I have to replace this car (will make finances so tight)! Would really appreaciate - be very grateful for any reply. Thank you.
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This engine has hydraulic lifters to adjust the valve clearances automatically using engine oil pressure. If the lifters get dirt in them or get "gummed up" they will make a ticking sound but the symptoms you describe about not starting/running being previously having a rattly engine sounds like a chain tension, timing chain, or chain guide failed and has caused serious internal engine damage. The engine has a main chain and two secondary chains, if any component fails the valves can (and most likely will) collide with the pistons causing unfortunately a big repair bill.
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