Only a couple of things I would add to the above. A shortfall debt can be acknowledged in writing (and restart the limitation period) but it does depend on the wording as to whether it would be construed as such, & as has been said a part payment would be an acknowledgement. However, if it is a joint mortgage things can be different, I would suggest you read as many previous postings as possible, a lot has already been said on this subject many times already.(posted 7476 days ago)Mark.