Letters that get results
For everyone trapped in a subscription

You canceled. They kept charging.
Send the letters that actually end it.

Gyms, subscriptions, memberships, service contracts — companies make quitting hard on purpose. Answer 8 quick questions and get a formal written cancellation, a firm follow-up citing your rights, and the stop-billing demand with the bank revocation letter that cuts them off at the source. Ready in 2 minutes.

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Letter 1The formal cancellation — in writing, dated, provable.
Letter 2The firm follow-up citing auto-renewal and consumer protection laws.
Letter 3The stop-billing demand + the letter that revokes their access to your bank.

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Letter 1 — The Formal Cancellation

Send now — certified mail if the contract requires written notice

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The cancellation letter is your proof. Letters 2 and 3 are for the companies that pretend they never got it.

  • Letter 2: firm follow-up citing auto-renewal & consumer protection laws
  • Letter 3: final demand to stop billing + refund of post-cancellation charges
  • Bonus: the bank/card revocation letter that cuts off their access
  • Gym-specific rights: cooling-off, relocation & medical cancellation rules
  • How to dispute post-cancellation charges as unauthorized
  • Timeshare warning: the exit-company scams to avoid
  • Print / save as PDF, unlimited edits, lifetime access on this device
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One-time. Less than one month of the thing you're trying to cancel.

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Letter 2 — The Firm Follow-Up

Send if charges continue after cancellation

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Letter 3 — Stop-Billing Demand + Bank Revocation

The nuclear option — certified mail + a copy to your bank

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Your Playbook — Rights, Banks & Traps

Read before sending Letter 2

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How to cancel a subscription or gym membership that won't die

Companies engineer cancellation friction on purpose — phone-only cancellation, certified-mail-only clauses, retention scripts, and "processing periods" that sneak in one more charge. The counter-play is simple: put everything in writing, invoke the rights that exist, and if they keep charging, cut them off at the bank. The sequence:

  1. Cancel formally, in writing. A dated, provable cancellation defeats the "we have no record of that" game. If the contract demands written notice, send it certified mail.
  2. Cite your rights. For online subscriptions, federal law (ROSCA) requires clear disclosure, your consent, and a simple cancellation mechanism. Many states add automatic-renewal laws requiring easy cancellation, and most states have specific gym/health-club statutes with cooling-off periods and relocation or medical cancellation rights.
  3. Cut off the billing. You can revoke a company's authorization to charge you and instruct your bank to stop recurring payments. Charges after revocation are disputable as unauthorized. (Important: this stops the billing — it doesn't erase a debt you validly owe, which is why the letters come first.)

Is there a federal "click to cancel" rule?

Not currently in force. The FTC's 2024 "Click to Cancel" rule was struck down by a federal appeals court in 2025 before taking effect, and new rulemaking is underway. But ROSCA (for online subscriptions), the FTC Act, and 30-odd state auto-renewal laws remain fully enforceable — and those are what these letters cite.

What about gym contracts specifically?

Most states have health-club statutes: a cooling-off window after signing (commonly 3 days), cancellation rights if you move beyond a certain distance (commonly ~25 miles) or become disabled, caps on contract length, and prescribed cancellation procedures. The playbook shows you how to find and cite yours.

Timeshare warning: rescission windows are short (typically 3–15 days after purchase, varying by state). After that, be extremely wary of "timeshare exit" companies demanding big upfront fees — regulators flag that space as scam-heavy. Talk to the resort's own deed-back program or a real attorney first.

Cancellation Letters provides self-help document templates and general information, not legal or financial advice, and is not a law firm or a substitute for an attorney. Contract, auto-renewal, and health-club laws vary by state and change over time — verify your state's current rules. Stopping payment does not by itself terminate a valid contract obligation.