- Jun 6, 2012
I know a gym that reports default on your credit in these situations. The gym might be in the wrong, but they have definitely done that before.
I don't necessarily have a problem with either one of those scenarios knowing how far it has usually has gone before it gets to that point. As a retired corp. retail customer service exec. I can tell you there are two types of people when it comes to defaulting. There's the customer that's proactive, calls/answers calls and tells you their situation/experience, and tries to work something out. And then, there's the customer that ignores all calls and pretends the situation will resolve itself without consequence. I can tell you 100% of the time when a person called and tried to work something out, we would go the extra mile to help. That didn't mean I could erase all their debt, or necessarily let them continue racking up debt. What it did mean, I could look at what they bought, the corp's cost, and often reduce their debt. I could delay or extend credit dates/reduce payments/lower interest until their situation resolved, or we could find middle ground to resolve a bad situation. Sometimes we had to agree we wouldn't be able to meet their expectations, but we still had to come up with some type of resolution, even if that meant going to court. I don't know of any business that wouldn't prefer working something out with a reasonable customer versus selling their debt for pennies, ruining their credit and/or spending time and money taking their chances in court.And, I know another gym that won't sign a worlds release unless the complete year is paid for.
Me, personally, I would call the gym and calmly tell them I had C-19 safety concerns and my child was miserable from bullying. I would offer them one month pay to serve as my 30 days notice and final contractual payment under the circumstances. If they would accept those terms, I'd let them know I was on my way to get it in writing and give them my final payment. If that wasn't acceptable, I would send a letter via certified mail to let them know I was filing a small claim to end their contractual agreement based on safety concerns. I would, also, call a lawyer to find out if state law requires me to continue making payments or if I can cease payments since a small claim was filed.