Like everyone said; Great write up!
I was going to delve into this problem but I think it just got worse.Here is the story so far....
My girl always took such great care of her Altima and always changed the oil on time (or sooner) but suposedly her chain guides fell apart and were making an awful noise. I was out of town and she had it towed to a mechanic who found the problem. After quoting her $1400 for the work she decided to buy a new Altima Coupe (Sweet ride

This all started "all of a sudden" after she took it to get the oil changed while I was out of town. She took it to a new place where I had taken it to only twice before. Two days after, this happened. No small ticking sounds, no warnings just BAMM! loud flapping sound the next time she started it. When I got back the first thing I did was minor checks (had no tools there) and check the oil. It was way over filled! I took it to different oil change place and had them drain the excess oil. It was 2 quarts over. I can't believe this could be done on accident! Do you (or anyone) know if this could have led to her issue?
I was hoping the mechanic was wrong and the noise was just from being over filled but the noise was still the same. The strange thing was that the noise went away over 2K RPM (even before draining the oil) and ran fine regardless of the new noise. I had no other means, as money was tight so I drove it to a place where I could work on it. It was a smooth ride and the noise was gone for most of the trip since I was on the hiway but it was about 90 miles away. I parked it and it seemed fine. When I test drove it one more time, and really wished I hadn't, this is what hapened; On the short drive the noise changed but didn't sound worse or louder...just different. I knew this wasn't good. At the next light the idle seemed very rough (always had smooth idle). Got it back to the yard, parked it and all seemed OK. Although, when I went out to move it into the work area it would not start. It barely cranked. straining then giving a little then back to starining. I stopped any futher attemps.
I know everyone that reads this would flame me for saying I drove this thing but I actually (because of many personal issue) had to..so lets move past that
I'm finding it hard to get good info on wether or not the valves get bent if the timing chain breakes or jumps a few teeth. I've read post where people have stated that their chain broke but did not make any mention of bent valves or head jobs. I was thinking about pulling the engine to make the job easier as I'm able to work on it on the side. Now that this got worse I'm pretty sure I'm going to. I always take great pics of my projects but never get around to posting them. Well maybe this go around.
As a side note, I have my '95 Z taken apart as my timing belt tesioner froze up (never seen that) and the belt Almost slipped. Luckly I stopped driving that one right away

The belt had only a bit of slack but had started rubbing on the plastic timing cover. It's a running joke because I always seem to have similar issues with multiple cars that I own (or take care of). Sucks having so many broke down Nissans in the collection.