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Probum

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What do I do about a credit card bil from 20 years ago?
OK So I was young and foolish and got way in over my head with credit cards 20 years ago. As a result I haven't had any credit nor have I tried to get any. Now I'm a little older and hopefully a bit wiser, I've got one credit card and I've paid it on time. Things are beginning to look up but guess who has come a calling? A collection agency for a card I had 20 years ago! I don't have the money to pay them and they are treatening to send John Law to my door. What do I do now? :'(

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