I don't know how it works in other countries but most bigger gyms in Estonia make you sign a contract with them when you join. If you stop paying without cance

I don't know how it works in other countries but most bigger gyms in Estonia make you sign a contract with them when you join. If you stop paying without cancelling the contract (which they have ridiculous terms around), they sell you off to a collection agency which then proceeds to harass you until you pay. A friend recently went through this experience and warned anyone against the big-name gyms. (Looking at you myFitness)