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I have proof that my debt is invalid. Doesnt sound like they want to drop it and may send me to collections. Can I sue for damages / harassment / false credit reporting etc.?


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Sorry, I live in but Im not from the US first of all. Currently in AZ

A gym that you can visit Any Time and their partnered financial solutions is trying to collect a $211 fee for a $50 payment that I have proof which I paid. I also have proof of cancellation and proof of them receiving my cancellation via email. ive asked for debt validation 3 times with no response. I have a paper trail of everything

I dont want this impacting my credit score and I also want to explore the option of a payday here. Can I sue if they try to send this debt collections?

And yes, I have absolute concrete proof that I paid.

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Are you using a tailored letter specific to YOUR set of circumstances or are you using generic cut-n-paste tripe? 


Who did you send the letter to?  Have you actually gone into the fitness center to speak with a member of management?  If not, why not?  If this is a local place, then the EASIEST thing to do would be to have taken your proof of payment into the local facility and discussed it with them...

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