Had a credit card over 10 years ago, I was laid off...a few times and couldn't pay. The account went into collections, & was eventually charged off. Now a debt collector called and left a message on my phone about it. I've looked on line and saw that the statute of limitations in michigan is 6 years. I'm well past that. One site said if I talk to the collector, that I should just tell them that "the statute of limitations has run on this debt, do not contact me again." But, my question is How do I prove that it's been over 6 years?