So here's the story:
A couple of months back in July I decided to sign up for a gym membership at this new gym that opened up on Yonge and Dundas. New facility, friendly staff, etc. I was impressed and wanted in.
During my orientation they gauged my strength, stamina and weight. They started telling me about the contract membership deals, then went to the personal training option. Since I literally knew nothing about handling equipment, and my previous personal trainer was extremely flaky, I decided to give it a go so I wouldn't fuck up myself during gym time.
So around the beginning of July I started training twice a week. Great.
About a month later, my boss drastically cut my hours at work, and I decided that I could no longer afford PT anymore. When I got to the gym to see if I could either reduce my plan to a lower rate or cut it off entirely, the rep I spoke with said that I was locked into a contract with no way out. He was able to knock off a few sessions on my price, but i'm still stuck in this stupid PT contract.
Long story short, I signed a contract originally offering 52 training sessions (now knocked down to 47). What I didn't realize was that the payments for these sessions would be spread out over the course of 17 months, and the grand total would (initially) be around $4000. I had thought payments for training were supposed to stop on February 2011, not 2012. Ouch.
I simply do not have that kind of cash to burn. I can pay for the sessions i've done so far with no problems, but i'll still be paying for this damn bill long after I finish my sessions and am on my final year of school.
I was talking with my buddy today about it, and he said that I should just cut it off right now, the consequences be damned. I've only gone through 20-ish PT sessions as of yet, so i'd be able to pay off that part of the bill from now till April of next year no problem, but once April is done i'm leaving the country to return home, and with it the job that pays this bill.
Since this is (assumingly) a low-level contract, and considering that i'm not a canadian citizen/just under a work visa, what are my options here? What's the worst-case scenario if I just walk in the office, tell them that I cannot afford the rest of the sessions, and am simply going to pay for the ones i've used up?
My buddy told me to tell them that I won't be showing up for PT anymore, and that the money won't be in my account period once i've paid for what i've used up, but I don't think it's so black-and-white like he thinks. I don't want to get into any major trouble with this, but i'm almost positive that this type of thing has happened before, so there's gotta be some sort of escape clause.
TL : DR - Signed a long-term personal training fitness contract. Need to get out but i'm locked in. Help?