Can you say me what are you reading here (Replace accountName by your accountName and password with your password in the link) :
https://account.toontown.com/standal...ame&p=password
DON'T past the playtoken value here or someone who knows how it works will be able to play on your account.
If chatEligible=0 then you'll not be able to activate chat. You'll need to pay with an other method.
If chatEligible=1 then you just need the parent password