[RWebb]

technically, you will need to read very very carefully the original contract - it may have a provision requiring you to request the paperwork to cancel, notarize it, and then do a double back flip in order to make a valid cancellation

or your state may have some consumer or contract req.s that limit "some men will rob you with a fountain pen" type shenanigans, but you are in TX right? don't expect much; if a large corp. they have certainly located in the most favorable state for them and might require you to fight a law suit there, not where you live

the federal consumer protection agency might have helped but has been hamstrung by people whom you likely voted for, so... (it may apply only to banks in the strict sense anyway)


practically, you can just send a fax or a written certified mailing that says "I dispute this charge." and IDs the charge; don't say much else and be sure to save it

you will file another one aftre they send it out for collection

then, the only thing they can do is to ding your credit rating or maybe file in small claims against you

they are a corporation so you cannot ding their credit rating

see how it works? little guy can be easily screwed by the big guy

do you have any relatives who are lawyers in TX?