Do I need to pay this off??

[mongoose51]

I think this is a good fold, unless you have some read, or some reason to believe , that he would be taking a shot at you here. The way the hand is played it certainly looks like you have an A , so he probably expects you to call his chk raise.

On the flop I am not thrilled about A9 with a limper in front of me, particularly if the blinds are loose and will probably call.