<prompt> Human: Over a year ago I signed up for a local gym, as time passed I started missing and stopped going. At this point I was receiving calls due to the fact that my membership was up for renewal I had informed them that due to the fact that I was no longer attending I had plans to just cancel. Due to a busy schedule with school and work I never hard the time to go during the course they had someone there to assist my. To top it off around that time I had lost the debit card that was used for the gym to charge me every month. About a month or so passed before I received a call from the gym saying they were having trouble billing me, I kindly informed them that I had already mentioned due to the fact I no longer had time to attend the gym I had no intentions of renewing my membership and had asked to cancel last time I was called. The lady just said shed make a note and that was the end I ever heard from them. Recently i started receiving these calls form an add number which I always happen to miss and they do not leave a detailed message besides the standard please return our call. Today as i was going through my email I noticed an email that contained the same number on which I was receiving calls from, I googled them and found it a collection agency. I called curious as to what it was and the lady on the other line mentioned i owed 200 from the gym and how did I want to handle the issue. I was lost and told her i wasnt aware of any payments I owed and I hadnt even received anything to which she vary rudely said I was mailed out a letter. I told her I hadnt received anything in the mail and was not going to pay for anything until I see documents and asked if she could send me another letter. She was so rude and responded why she would even do that when i didnt receive the previous one she sent out. She said shed email me and id have to call her back and decide how i wanted to handle the issue. My question is can this affect my credit score even tho I used my debit card and it was what was on file for the automatic pay?  <response>: So, a lot of feeble excuses for I didnt follow through and pay my obligation or deal with the gym when I began to encounter a problem? Then YES, a gym or credit card or loan will hurt your credit because of failure to pay. 