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Need some clarification please:
1. What was the Chase debt for? credit card, car loan, etc??
2. When was the last time that you made a payment on this debt?
3. Did Chase or AF ever file suit on this debt?
In Maryland, the statute of limitations requires that a law suit be filed within 3 years for written contracts, and 3 years for open accounts, such as your credit card debt here. So, it means that if the date of the last activity on the account or the date the account was written off as a bad debt was at least 3 years ago, then you can raise the statute of limitations as a defense to the complaint.
It would appear that you should not pay them any money on this debt.