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Can't you just opt to pay in cash (or Credit Card) for every month you want to have a gym subscription?

I don't know how it works in other countries but most bigger gyms in Estonia make you sign a contract with them when you join.

If you stop paying without cancelling the contract (which they have ridiculous terms around), they sell you off to a collection agency which then proceeds to harass you until you pay. A friend recently went through this experience and warned anyone against the big-name gyms. (Looking at you myFitness)

That sucks, in Bosnia in most gyms you pay up-front for the month you are intending to use the gym.

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