A lot will depend upon how your divorce decree was drawn up. If you have the total responsibility for the old debts, you owe it, and there really is no time limit on the debt. If it was 50-50 with you and your ex, then she owes her half. If it is her debt, you are clear.

Practically, call them and tell them you will settle, right now for 50%. You would be surprised how willing they will be to play "lets make a deal". But get it all in writing before you send them anything. And I would not give them any personal information over the phone.

Been there and done that......

It took me 10 years to get out of the hole my ex put me in.