My question involves judgment recovery in the State of: CO
I was forced to sign an auto loan contract in 2001 by my ex-husband, (I have police reports of domestic violence and a restraining order all dating back to before or just after the time the auto loan was signed)
Less than 6 months later the truck was repossessed, at the divorce hearing I was given the option to make this debt (now $16,000) partially his responsibility, I declined since the debt was in my name the court told me I would be required to give him my address until the debt was paid off. I'm sure it is apparent why I declined.
Recently a collections agency contacted me about this debt. They stated that since it was approaching the statute of limitations cut-off, that they are going to take me to court before it's "too late" and that I would have a judgment against me to ruin my credit forever so I "better start paying now before it comes to that"
I checked my credit report and the debt is not on there.
They said the last activity on the account was in 2004.. I'm telling you I never did anything with this debt to constitute 'activity'.
I recently paid off the rest of my debt (totaling less than $4,000)

Here is my assumption, They saw that I recently paid off my other debts and a collection agency decided to try to scare me into paying.. so that the S.O.L. would reset, in which case what can I do to stop the harassment?..
Or am I wrong and I might really end up with a judgment against me in which case how do I prepare for or avoid a judgment all together?