In 2010 I quit Gold's gym by sending them a certified letter from my doctor. To them I was cancelled and was refunded from down payment. However, the kept taking money out and I had to stop payment on them. They were no help on the phone and sent me to collections. This Century credit collection agency in on my credit report and feel angry that I can not do anything about it. I need help. This is unfair and hurtful to me.