<prompt> Human: Not sure if this is the right sub but I figure if it not someone will point me to the right one My gym membership ended in July but they says its still ongoing and that I need to pay and 80 cancelation fee and charging me for the months since July. When I went to pay for my membership the offer I got was 340 for the year with 170 at the start and 170 two months in and there was not contract signed it was just the payment. Im a student and dont have much free spending money, is there a way I can get out of this without paying 200 for something I didnt use at all and without hurting my credit?  <response>: Gyms often will send outstanding debts to collections and ruin credit scores.Go through the proper means to cancel your membership and have copies of all the paperwork on hand. 