[ALittleLight]

If I have a "pay by month" subscription, and I don't pay, that's not a debt. That's the end of the subscription.

[distances]

Here you have to explicitly end your subscriptions. Stopping payments will definitely not do that. You'll end up dealing with collection agencies.

Edit: obviously only if the company is geared that way. They could just end the subscription too, but wouldn't count on it.