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A debt collector has been calling me for months about a debt that my husband supposedly owed in 2001 (before we were married). I never admitted that he owed the debt because I honestly cannot say but may have admitted that it was a possibility. I have never seen anything in writing proving the debt and the debt collectors told me that they would only send something in writing if I agreed to make payments. They promised that the payments could be easily cancelled by me if I was unsatisfied. My husband was furious when he found out that I had agreed to set up a payment plan just to see if the debt was valid and we cancelled our bank account as a precaution.
I did not know anything about the SOL at the time and now I am concerned that my credit report will be affected and I will be sued.