Quote:
Originally Posted by szbair
regardless of how much the debt cost or how bad you feel like you have been ripped off by the gym owner, the worst thing you can do is let your debt go to collections. Why would you risk it anyways? you're not going to come out on top! That would be the biggest mistake and it would dammage your credit score. What you should do is pay it immediately and ask the credit agency how you can get the late removed from your history. Don't let your emotions interfere with doing what's best for you. Also 80 dollars a month for a gym membership is crazy unless you go to lifetime fitness, not some cracker jack who wants to rip you off. 
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Agreed completely. $80/month is alot of money dont get me wrong. But they, unfortunately, have the ability right now to mess with your credit and thats nothing to play around with. I would suggest continue paying this, get all correspondance with this company in writting and take as much action against them as you can, ie consumer awareness companies, Better Business Bureaus, ect.
Talk to a laywer about the case and see what they think. But I would recommend against letting this go to collections. Any judge will understand that you are not paying this company because you feel you have a contractual obligation to do so, you are paying them in your best interest so that you mitigate the potential damage this company could bring against you.
If that is too much, I would chaulk it up as a lesson learned.