Right, I remember there was a form that asks for first and last name, DOB, policy number, healthy condition, signature and such.
Let's say if there is such a form and I signed it. Is there anything I could do rather than just pay for whatever they ask ?

First you get an accounting. You won't know where you stand until you do.

You can always argue, discuss and ask for a discount or more.
I work on the other side, we provide medical products and service to patients.

Insurance companies, always when the work is finished, and their part is paid to the dentist/doctor, send a statement to the patient dlsclosing any other fees, or the patient's portion to be paid.

Tick

All right, since I live in BC, I did some more researching, I think I can send them a letter to tell them to communicate with me in letter only, now my question regarding this case is,

What will the interest rate be, and how does it accumulate ?

Is "Pay for delete" letter a good idea ? And what do you think is the best amount that I should offer the collection agency ?

With this amount that I owe,what are the chance that they go to court with me ?
If they do go to court, do I have a any chance of winning (I did sign the enrollment with the dentist at the very beggining)?