Q: Unused subscription forgot to cancel, 5 months has been charged and unable to pay. What to do?
I stayed in Berlin for almost a year and subscribed to an accelerator. I flew to the US afterwards and completely forgot to cancel the membership. I was 4 months late in payment when I requested the cancellation, and they refused to cancel it immediately, saying their period for cancellation would be the next month, resulting in additional charges. Now they have forwarded this to a debt collector and are threatening to bring this to court. The amount we're talking about here is €1,416.10 or approximately $1,550.72 USD. I don't use it anymore, and I never got to use the months they are charging me. I asked for their consideration since this is unused service, but it fell on deaf ears.
A: Cancel it immediately in writing snd either pay or try to negotiate what’s owed to a lower amount.
Martha Warriner Jarrett agrees with this answer
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A: The amount at issue is not large enough to warrant filing bankruptcy. And it is probably not large enough for the creditor to bother suing you. If you are unable to reach a settlement, then it will likely be turned over to a collection agency. It will be a negative on your credit report so if that is important to you, you will probably need to pay it (try and negotiate a payment plan),
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- California
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A:
You can try negotiating with the accelerator and the debt collector to reach a settlement or payment plan for the outstanding amount. If possible, explain your situation and offer to pay a reduced amount in a lump sum or through installments to avoid going to court. Keep all communication in writing and consider seeking legal advice to protect your rights and interests.
James L. Arrasmith
Founder and Chief Legal Counsel of The Law Offices of James L. Arrasmith
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