<prompt> Human: Hello rpersonalfinance! Im having an issue a local gym that was supposed to cancel my membership but never did.I called about three months ago to cancel my membership because I wanted to avoid paying the annual fee twice I was paying for a friends as well. I havent been to the gym at all many many months prior to the call because Ive been a little too busy. Everything was apparently all fine until a few days ago when they tell me I now have late charges and missed payments. I told them about my situation but calling over the phone to cancel isnt a thing. He said it mustve been a new employee and that Im basically out of luck. Im expecting to have to pay about roughly 150 including late fees.What are my options? I dont want to be sent to collections or anything but money is tight at the moment so I cant pay for everything.Thanks in advance.Ps. Im on mobile, so sorry if this formatting is garbage.  <response>: This is a very common thing with gyms. Your membership contract should give instructions on how to cancel your membership. If you dont follow those instructions, any new charges are still rightful under your contract and you are responsible for them. Calling and asking to cancel is virtually never the prescribed means for cancellation. It will likely require you to submit a request for cancellation in writing, which you should do via certified mail, return receipt requested unless specifically instructed otherwise, since gyms have a habit of losing cancellation requests.Edit: in general, whenever cancelling a membershipsubscription, so so in writing and insist on written confirmation of cancellation so you can dispute any future charges. 