Chater was born August 22, 1910 in Vancouver, British Columbia, Canada. Her father was a successful attorney who provided a home with a library filled with books. At a time when women were not encouraged to seek higher education, she attended the University of British Columbia at sixteen. While there, she was the President of the Debating Society, Vice President of the senior class, and graduated with honors with a Bachelor of Arts degree. She was married to Melville Thomas Chater in 1932. They moved to Chicago while he attended George Williams College. Returning to Toronto, where he worked for the YMCA, they started their family of three children: Elizabeth Patricia, Eve Lynn, and . They moved to the United States in 1952. It was during this time that she started writing and teaching at Palos Verdes College. Under the pseudonym Lee Chaytor, she published several stories in the popular science fiction magazineFantastic Universe. In 1961, she became a professor at San Diego State College, and was awarded a master's degree with honors. It was there that she began a pioneering effort by teaching a course in Science Fiction Creative Writing with Greg Bear as her teacher's assistant. Among the faculty at the time were authors Vernor Vinge and Joan D. Vinge. Patricia Elgin was a student of hers, as was J. Michael Straczynski. Her classes were enormously popular. In 1968 she won the Distinguished Teacher Award and in 1977 she won the Outstanding Teacher of the Year Award. In 1973 she became the inaugural faculty advisor for the S.T.A.R. San Diego on-campus Science Fiction club. Elizabeth taught for seventeen years, attaining full tenure, and retired as a Professor Emeritus. Her professorial legacy survives in the Special Collections Department of SDSU where the Chater Collection is not only archived, but still used by college professors as a teaching tool. The Chater collection includes a one of a kind original manuscript written by her, and original manuscripts both typed and handwritten by author Joan D. Vinge. There is also her science fiction collection of over 2,500 books and periodicals that she generously donated to the school, a collection that continues to grow through donations from students and faculty. There are now more than 4,000 books in the collection. After the death of her beloved Mel in 1978, and with the help of her former student and great friend Greg Bear, she formed a partnership with famed New York literary agent Richard Curtis. She went on to publish twenty-three novels in eight years. During this time, she was also on the lecture circuit giving inspirational talks on history and religion, topics of great interest for her. Elizabeth passed on peacefully on November 10, 2004 at the age of 94.
Personal life
She was the mother of Gary Puckett and the Union Gap bassist Kerry Chater, and the grandmother of author . In 2011 Elizabeth's heirs had her literary rights reverted to the family, and her extensive catalog of books was then published by the family run company, Chater Publishing, headed by Christopher John Chater.