More details are need to answer your questions. You should gather all relevant documents and go consult a consumer'r rights attorney.
This answer is intended to be taken as general information and not as specific legal advice. You should always consult a qualified attorney and make him familiar with all the relevant facts in order to get proper legal advice. Every case is different, and they must be evaluated on a case-by-case basis. David N. Smith 812 W. 11th Street, Suite 201 Austin TX 78701 (512) 457-0100 defenseattorneysmith.com
The statute of limitations runs from the date of the last payment or the transaction. If you just made payment, then you have 4 years to beat, if you are on the loan. If this was an ex-wife debt and he was never on the note, well then, no liability unless the decree says he is liable for her debt. Best to bring all your facts to attorney.
You are really going to need to have an attorney review the documents and the facts and circumstances. The particular wording, and the evidence of the dealings and transaction are important. It could be that the creditor violated the Fair Debt Collection Act or the Texas Consumer Protection Act.