There is a statute of limitations on these types of actions. The length of the statute of limitations will depend on the state in which the vehicle was purchased. You will need to look at the statute of limitations for contracts to determine if the statute of limitations has expired.

It is important to note that you need to raise the expiration of the statute of limitations as an affirmative defense in the court proceedings. Also, while the creditor will be unable to obtain a judgment against your husband, your husband is still obligated to pay the debt, unless the debt was incurred in Wisconsin or Mississippi, where the expiration of the statute of limitations extinguishes the debt.