Yes, a debt can be enforced after 6 years. This is because the statute of limitations on most debts in the United States is six years. After this period has expired, creditors may no longer sue to collect the debt and it will become unenforceable in court. However, creditors are still able to contact borrowers for payment even if they cannot take legal action against them. Therefore, it is important for homeowners and couples struggling with debt to seek help as soon as possible before their debts become unenforceable by law.