You don't owe someone money just because they say you do. If you've given notice to someone that you want to cancel in a reasonable way, then you don't owe the

You don't owe someone money just because they say you do. If you've given notice to someone that you want to cancel in a reasonable way, then you don't owe them money any more. Keep documentation of your efforts to cancel, and if they try to put something on your credit report, go to court.