someone told me there was an upper and lower timing chain. is that true. how much should it cost to replace thanks

If it is the 1.6l engine then yes, I actually think it is 3 sets, but not positive since it has been a couple years since I replaced mine. There are also a set of tenstioners that need to be replaced at the same time.
Parts were close to 200 for me, so expect to pay 400-600 depending on labor costs. Book time says 12 hours.

Yeah, don't count on any less than $500.