
Quoting
free9man
The general SOL is going to be 6 years, so depending on when in 2005 the bills were incurred you might be okay. The trick is when the SOL clock started. I'm not sure what NY's laws are on that.
Please keep in mind that SOL is a defense when you get sued. You can send the collection agency a drop dead letter but that won't stop them from suing you. You would then have to raise the SOL defense prior to/at trial. Do you have the old insurance paperwork? Did you never get an EOB for the services rendered?