Need some legal advice gents

[Saz]

[eynon81]

[fstarcstar]

[gla22]

1. report them (or threaten to report them) to the better business bureau, consumer protection agency, leave bad yelp review ect.
2. if you paid for the gym on your CC dispute the charges with your CC company, they are good
3. at this point either pay or ignore them, i could hardly see it being worth the cost of a lawyer at this point

[The Comrade]

depends on how much he owes, which he hasn't told us.

i'm guessing his gambling problems racked up a substantial amount so he's trying to find a way to weasel out of 40 or 50k

[phosphide]

Sorry guys, my internet has been down the past 2 days and AT&T stiffed me this evening and didn't show up.

I'll try to get back to each of you, though, here is some more information.

1. My timing may be off in my OP - I'm double checking my phone records and e-mails to put together a better timeline. There was an exchange between the manager and I briefly where he said I still had to pay or they would send it to a debt collector, but I don't recall the time period.
2. Total Amount Due is about $1k (I believe $1082, I don't have the letter on me at the moment). My monthly payment was ~$130, it was a young professionals thing in the club.
3. My credit card was expired so no additional charges went through.
4. It hasn't hit my credit yet (which is ironic - I figured it would since we are coming up on over a year now since I canceled and they attempted to charge me)
5. The last letter they sent me saying they will be sending it to a lawyer did disclose that the letter was an attempt to collect a debt (a kind gesture to get me to pay or scare me into paying).

I haven't received a copy of the bylaws yet, still waiting for the manager to send them to me. I worked for a collection agency for a while as a dialer admin so I'm familiar with debt collection practices for mortgages and the FDCPA, but this is different so I don't quite know.

[Winchester]

Ignore it, it will go away. I doubt they will send it to a credit reporting agency anyway and if they do it's only a $1,000 so it shouldn't ding your credit much at all.

[phosphide]

Well, I'd rather not have it hit my credit. I actually had an extremely old healthcare bill hit my credit for like $500 not too long ago and it dropped like 30 pts. I was pretty unhappy about that.

But ya, I've been pretty much ignoring them for a while now so I don't really have any concern at this point aside from the lawsuit. I'll post back if I hear anymore about it.

[Darkhorse]

[The Comrade]

#rekt