Is a Chase HELOC, for which there have been no payments or collection activity for the last 10 years, still enforceable? I am baffled as to why there has been no collection activity for that long unless they were prohibited from trying to collect. Could it be that this debt was included in one of the many Chase Class Action lawsuits that prohibited them from any and all future collection activity? There is still a second lien showing-up in the county records. Will that simply sit there indefinitely until the house is sold or I negotiate a settlement? Thanks.