<prompt> Human: I paid a monthly membership fee for a shooting range for a while. I had to cancel the credit card that I was paying them with, due to it being stolen. By this time, I had stopped going anyways and it was a waste of money. At the time that I cancelled, I had forgotten that I even had a membership. Fast forward 10 months, I am not longer employed and I am now a college student with very little money. I just received a letter from them indicating that I owe them 135.00 for late fees and membership fees. To be clear, I never used this membership. I had not gone for a few months, then my card was cancelled and I never went again. I would like to avoid paying this if possible. They are essentially trying to charge me for absolutely nothing, since I never set foot anywhere near the place after I stopped paying or for a few months prior. I realize that I should have cancelled, but at the time my life was in disarray and I forgot about them. I already emailed them to see if they would be understanding. They have indicated that they dont care and they want my money. The original letter actually threatened to send my bill to collections. x200B;My primary questions are as follows:x200B;1 Am I in the wrong here for thinking that this charge is ridiculous? To reiterate, I used no service of any kind during the period they are trying to charge me for. x200B;2 I am inclined to assume that I can tell them to shove it since they are just some random shooting range and not a financial institution or creditor. Is this the case?x200B;3 Can they hurt my credit? They have my name, address and a previous, cancelled credit card. Is this enough?x200B;4 I plan on joining the military when I get out of college. If I dont pay, is there some way that this can come back to haunt me in that regard?  <response>: You signed up for a membership. You did not cancel the membership. You stopped paying for the membership.You owe them for the membership that you never canceled. In the future, you can cancel memberships that you no longer wish to have. Can they hurt my credit? Yes, anyone you owe a debt to can turn it over to collections or sue you. Theyre not likely to sue you for 100 but they can certainly send it to collections. 