&gt; if not legally in all jurisdictions<p>Yep, you&#x27;d be screwed there too. If your agreement with the gym said you would unsubscribe by mail, and you just stop paying without doing so, they could recover the money.<p>Gyms make their money by having people pay without using the gym, so they wouldn&#x27;t care that they aren&#x27;t &#x27;rendering services&#x27;. That&#x27;s a big reason many companies, and most gyms, use subscriptions.<p>You could fight it in court if you want to. You might even win. You might even win the following battle to recover your credit score. But all that&#x27;s going to be a lot more of a hassle than picking up the phone and cancelling in the first place. It takes a special kind of person to willfully seek such a pyrrhic victory.