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Your gym should let you cancel your contract if you've had a change in circumstances that means you can't afford the monthly payments. It would have to be something significant, eg you've lost your job or suddenly found yourself in a lot of debt. You'll need evidence to prove this to your gym.
You have to submit "official" proof from your doctor, boss, or submit proof of your new address by showing a lease or bill in your name. Most people don't take the gym contract they sign as seriously as they should.
Gold's Gym requires at least a 30-day notice for canceling any membership. You'll have to continue to pay until that period passes. They usually do not offer prorated refunds if you cancel early on.
If you fail to pay your membership fees, your gym can send your account to collections, which is a major negative mark on your credit report. A gym membership is just like any other recurring bill. The method you used to pay the bill does not matter.
Attorney, David Reischer, Esq. tells Men's Health that "Gym club contracts are drafted in such a way as to not allow a person to quit without suffering a penalty. They are legally binding agreements that can only be breached when the terms of the contract are unconscionable or otherwise specifically prohibited by law."
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People also ask

How can I cancel my membership? You must cancel 30 days prior to your billing date. Cancellations must be done by email or in person.
Can I freeze my membership? A: We are offering a freeze for up to 90 days at no charge. Q: Will I be billed for a full month's dues since all the gym is not open? A: Yes, we will continue our regular billing schedule.
Small businesses that have entered contracts with the gym also have some provisions. If the individual sends a cancellation notice within three days of making the contract, the person will have to pay either 10% of their annual dues or $25.
Members who want to freeze or cancel their membership can contact their local gym directly for assistance. All member cancellations require a written notice and will be processed according to the member's original Gold's Gym agreement.
We instead developed additional ways to end your membership and also introduced extended freeze options. Members are able to cancel or freeze by contacting the customer service line (800-922-7898), coming into their local club, or even simply calling the club phone number to make these changes.

gold's gym cancellation form