Mortgage and Insurance

Back in 2006 my husband became disabled and needed a double lung transpalnt.  Since he made more then half the income to our house and it was suddenly taken away from us our credit went down the tubes.  It took me a long time but I managed to pay off the credit card debt we had at the time or so I thought.  I was looking at my credit score and saw a charge off from Chase Bank.  I’m confused because I don’t know how to read the report but it says it was originally charged off in June of 2006 but then in March of 07 it goes back to 180 days late then stays that way until another charge off was reported in March of 09.  It has a zero balance and the activity shows paid and closed and under the comments it states paid for less then full balance and account charged off.  I tried calling Chase but the department I need to talk to is closed until Monday.  I’m trying to figure out if I still owe a balance on this debt and how can I get the charge off removed from my report or if I’m sol?  Can anyone help me?

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