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I was doing volunteer work in another state for a couple months last year and my boss at the time bought everyone gym memberships but the gyms ownership changed hands to another gym after I joined. My former boss tried to cancel the membership towards the end of the year but the manager at the gym said my name was not in the system. So the membership was never actually canceled and he just kept paying them monthly until his card expired early this year. Over 6 months ago I get a email from the gym telling me that my gym dues are overdue and to call their billing agency. I called them and they sent a notice in the mail to my home address. I email the billing agency telling them I want it canceled but they tell me to send $55 to finalize my cancellation and my gym membership will terminate at the end of the month. I read online how people who pay up are called up months later where they are hassled for $200 and sent to collections if they don't pay. The billing agency for the gym has a terrible reputation at telling people their memberships are canceled but then months later calls them again demanding more money or they hire attorneys into frightening people to pay more I send a dispute letter within 30 days of their notice via certified mail. A month later they sent me a notice in the mail saying I owe $150 but no contract like I asked. A few weeks later the billing agency's in house collection agency calls the person I remember listing as my emergency contact who answered the phone. The same number calls me a couple weeks later and I didn't answer. My former coworker's contract (who joined the gym after it changed ownership) states that the gym has the right to send it to collections and/or attorney and they can void the agreement when it becomes a delinquent account and the member is responsible for any costs hereunder. I don't have a copy of my contract and if the billing agency actually had it I could set up an account on their online membership and find it there but I'm afraid that might make them think that I'm using the gym. My former boss had my contract at the time but threw it away. The in house collections agency has been calling nonstop the past month leaving a VM with a reference number but I never answer and haven't received anything in the mail. I've read online how the in house collection agency refuse to put anything in writing until people pay the settlement amount. I'm afraid if I did this though it would make my situation worse for obvious legal reasons. I checked my credit report and its been over 6 months since the membership defaulted and they still haven't reported it to a credit bureau. I'd call them and work something out if I thought this nightmare would end but I'm caught between a rock and a hard place. Please help.