I was dumb enough to sign up for a 2 year contract at a tanning salon. It's a long story, but to make the long story short they are trying to say I owe 2 more months then i actually do. For health reasons i did not even tan but a year of the contract and paid the other year. I REFUSE to even pay them a penny more! I should have put the stop payment on it a year ago, but anywho....... How long will they keep sending me letters? Some people have said maybe 2 years and then it will be on my credit report. I rack up $30 in fees a month BUT i am not going to pay it. I have great credit and pleanty of money and am not concerned as far as the credit report goes. I f i have a stop payment on it is there any way they can legally withdrawal money out of my account without my consent and if so how high would the so called "debt" have to reach. Can they garnish my wages? to me this seems too much of a kindergarden type of debt to even waste their time on but who knows...... any advice is appreciated! THANKS SO MUCH :D

They can report you oweing the debt after the first month it is late if they wanted to. And they can sue you in court, and get a judgement if they get a judgement they can either attach your bank accounts or garnish your wages ( in most US states) and of course by the time they add late charges, collection fees and the such two months of 30 dollars ( 60 dollars) will be several hunderd dollars by the time they get into judgement.

True, but is there a set limit that you must owe for someone to attempt to garnish a bank account/ wages? Couldn't I just have all my money put in someone else's name that I trust? Just things coming to mind...

No, if you owe someone one dollar, they can take you to small claims court and get a judgement,

And if you move your money, that if fraud, and if they prove it, they fine you and your friend,

If you don't legally owe the money, then theywould not win, but if you owe from the contract then you should pay