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  1. I recently got a letter from Client Services Inc over Chase credit card debt. First I sent them a standard DV letter. I received all, ALL billing statements from 06-2010 and ALSO part of original application I sent to Chase. Now I believe these are sufficient as validation. So I want to argue SOL. They claim that my last payment was in 2012, not sure if they can prove this. But according the statements they sent me, LAST PAYMENT was on 6/2009. Chase kept charging me late fee, interests until 2/2010. If SOL starts on my last payment, then it is time barred. (4 yr SOL of open account in my state.) But if they count late fees and interests as "last activity." then it is still in time limit. Which one is right?? Thanks in advance.