Can a creditco. start trying to collect on a debt that I settled with & pd in 2001, now?

I paid & or settled & paid all debt by 2001 & kept all records back then. In 2010, I shredded all paper wk I felt I no longer needed. I just received a letter requesting collection on a $648 debt in which they would be willing to accept $243 in settlement. What should I do now since I no longer have anything showing proof?

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Sid Kemp (SidKemp) says

4 years ago
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