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
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),
1 user found this answer helpful
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
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
