HELP! How do I Fight an unfair debt collection?

[Dennis]

I transferred my membership from one golds gym to another 2 years ago. I recently got a bill for $250 from a collection agency for the old gym.When I called they said that I had not properly canceled my membership and they have been billing me and they would continue to bill me. They had told me that I should have sent a registered letter to their billing department. I instead brought it to the gym and they accepted it and said they would mail it but it never reached its destination! They said I should have sent it registrard letter and I should still have the receipt (2 Years later!). They had it registard in their computers that I was transfering gyms.Do you think I will have to pay this debt? How do I fight it? Can I stop them from continuing to charge me? ------

[Jay L]

write then a letter and tell them that you canceled the membership and you do not owe the bill. You have 30 days from the date of their letter to dispute the bill.I bet they don't even respond to you . They have to prove you owe the bill to continue collection. ------

[Kat H]

You can request a dispute form from the credit bureau. Fill it out and send it in. The gym will have a chance to respond. If they don't respond then it will be dropped. They may also offer you a settlement. You could also try going down there and be really calm and cool and say that you don't understand what happened and you need their help. They might work with you more on a personal level. ------

[Spanki]

Do not pay it ..... Contact or log in to your states attorney generals web site and file a complaint .... DO NOT PAY IT !!! and there is no law that says you have to talk to them .... In the meantime go ahead and send them a certified letter explaining your stance in detail and make certain that you keep the recipients signature on file once you get it back from the post office... ------

[bdancer222]

Did you transfer your membership to another Gold's gym? And do you have proof that you have been making payments to the new gym? Try to get something in writing from the new gym that confirms the transfer.Send the collection agency a certified, return receipt letter indicating that you transferred the membership and have paid the fees at the new location. Attach a copy of the original notification (hopefully, you kept a copy) and copy the first gym location. ------

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