Can criminal charges be brought against you in Texas if the lender wants to repo your car and they cannot find it?

No. First: You as an individual can NOT 'file charges' against anybody. Only a prosecutor can 'file' criminal charges. Secondly: They cannot file criminal charges against a deceased person - WHO would they prosecute? However, you can file civil claims aganst a deceased person's estate.

Criminal charges do not disappear due to the age of the person committing them. It may be past the statute of limitations, in which case the charges cannot be brought.

No, only a prosecutor of the court may bring a criminal case against anyone. Criminal charges are brought as a result of illegal behavior, not defaulting on a loan. If the default, however, is subsequently believed to be related to fraud, criminal charges may be brought by a prosecutor. A payday loan company will use EFT to debit your bank account for the amount that is owed on the loan. When they cannot debit the account, they will try multiple times over subsequent days, then they will begin collection processes.

Private citizens cannot file or "press" criminal charges. Only the prosecuting attorney can do that. The husband can contact the police and request criminal prosecution. The authorities will then decide whether to file charges.

A citizen may file a COMPLAINT, which will be investigated by law enforcement. Individual citizens cannot "press charges." Only the prosecutor can file charges against someone.