Secured credit card 10 ten years later wants crazy money

Hey Bo,
OK so I’m not sure if your still answering questions, but here it goes anyway. I did get a secure credit card 10 or more years ago and I was paying on it until I lost my job and I stopped paying.  Well 10 years later now I”m receiving a letter stating I owe this crazy amount of money. I don’t mind paying the amount back…but my question is so do  I just pay the amount they want me to pay or should I dispute it

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ten years later?
nope
dispute it
then validate it

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Secured credit card 10 ten years later wants crazy money