I have become so angry every time I hear from them.  I am sick of it already.  I do not like to be angry. My lawyer said he can see how they can convince most unhappy customers to pay the 1/3 buyout.  He doubts they would actually sue to collect the unpaid amount, but they will likely file a negative credit report about me with the credit bureaus.  He advised me that I can take them to small claims court for fraud and misrepresentation and claim damages up to $7,500.00.  I did threaten to do that to them.  They didn't seem to care. The girl on the phone told me she will send my file to collections. I am amazed there hasn't been a class action law suit against them yet. After reading so many other people's accounts of their credit being ruined by this company when they refused to pay, I decided to just pay the $348 to cancel. I do not want my good credit ruined by this company.  It's not worth it to me.