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I'm in a tight situation.I was a member of Bally Total Fitness then realized I wouldn't be able to afford it because I'm a college student(they advertised a different price from my contract). I never paid because I never went to the gym. Well, the people from Bally's would call me everyday but I never answered. Then the calls eventually stopped. Then I received a letter in the mail from this debt collector telling me that I have to write them a letter stating why I shouldn't pay off this debt or I would have to pay it.What should I do?Should I make up a fake injury or say that I don't live near to a Bally's (like the woman who works at Bally's told me I should do if I wanted to get out of the contract)
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