[thaumasiotes]

Doesn't matter. It's not like they can make you pay.

I refused to pay for medical "services" I never asked for. They sent the debt to collections. Collections had no argument other than that they would really like it if I paid. My credit score was unaffected.

[gwd]

This is what confuses me about so many of these "horror stories" about cancelling things like gym memberships or NYT subscriptions. You can't just say to someone "you owe me X because my policy says you do". You only owe someone something if you are legally or morally obliged to do so, and there are certainly lots of cases where (it seems to me) you are neither.