Err. I got one of those debt collection letters in the mail today and want your thoughts on how (or if) to respond. Here are the facts: 1. Agency is legit, though rated very poorly online. 2. I know an account with the original creditor, my bank, was paid off over 10 years ago. 3. The agency is not representing the original creditor. 4. No original account number is listed on the letter, so I can't be sure what account they are talking about (though I am pretty sure I know) 5. This is the first and only contact I have received about this paid-off account since, well, I paid it off. 6. The letter specifically states that the debt is too old for me to be sued in court unless I sign a paper saying the debt is valid (which it isn't). 7. This obviously is not showing up on my credit report since it is 10 years old. 8. I am sure I have paperwork stating that the debt has been resolved. So, thoughts? My initial inclination is to just ignore it or to call the bank to see if they have any outstanding records (which I know they don't).