Do I still owe a debt after several years if I haven’t heard from the lender?

It depends on your country’s laws. Many places have a “statute of limitations” that means old, unacknowledged debts can become unenforceable after a certain time (often 6 years). Check your local rules, and consider whether you’ve made payments, responded to the lender, or acknowledged the debt in writing recently. These factors can reset the clock.