Your husbands finances are nothing to do with the debt.(posted 7331 days ago)This is especially true if you yourself are working
However if you are a 'housewife' a court if judgement was granted could deem upon oral examination that a small proportion of your husbands income is a contribution towards your role in the 'family unit' and deem that an amount of this is payable towards the debt per month.
But thats assuming the lender takes you to court! do you have assetts or spare cash to loose - if the lender knows from past correspondence with you that you have something worth taking they will probably take to court at some point. As unfortunately every time you have made another payment to DLC you have acknowledge their claim and reset the 12 year limitation clock.
I would suggest that you read up on previous messages on this site regarding limitation.
If you have particular queries im sure someone on this board will help.