<prompt> Human: I also posted this over on the debt board but thought I would get more answers here.My husband got a letter yesterday from a debt collections lawyer for a 12 year old debt. we live in NY. It is for an old loan taken out by his ex wife and him. She was supposed to pay it off per the divorce agreement. What is our next step? I read on the NYS website that the statute of limitations is 6 years in NY.  <response>: Youll need to request a validation of debt within 30 days. If your ex made the mistake of sending any money to them within the statute of limitations you could still be on the hook. 