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There is no statute of limitations on debt. You are responsible for the difference of what the car sold for at auction. You should get the advice of a lawyer just to be sure of your rights, there may be loop holes that the common citizen doesn't know. A lawyer typically charges a small fee for advice, some will give you a free consultation.

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Q: If you voluntarily repoed your car and almost 2 years later the bank is trying to get you to pay the remainder of the balance how long is the statute in Texas for such a debt attempt?
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