Legal Question in Credit and Debt Law in Indiana

Taekwondo Lessons

I took my four year old daughter to sign up for taekwondo class at a place that advertised that you didn't have to sign any contracts. It was explained to me that my payments would be made to an outside company that was in Maryland. They sent me my payment book which was supposed to start on Oct. 1,2002. Unfortunatley this is the same day my youngest daughtet chose to be born. My daughter never got to go to any of the lessons that were to be paid by the coupon book. The fee is $80 a month. I called the company twice and told them we were no longer interested. They finally said put it in writing. I did. Now a collection agency is telling me that I owe them $900 and that if I don't pay it's going on my credit. Can they charge me for services I never recieved? They also said there was no cancellation fee. So how are they charging me $900 when Oct.-Jan. @$80 a month is only $320?


Asked on 1/30/03, 11:14 am

1 Answer from Attorneys
Eric Southward Southward & Haggard

Re: Taekwondo Lessons

There are certain laws that vendors must follow. I am not stating that they have violated any of these laws, but I think you may want to seek the advice of a consumer law attorney. I would contact the collection agency and get verification of the debt they say that you owe. If you signed a contract, then they need to produce it. I would then take all of your correspondence, notes about calls and the contract and see a consumer law attorney for a possible violation of debt collection. But first see what contract they claimed you signed and see that you actually signed it. If there is no contract, then you need to consider taking some actions against them! My partner, Brandi Haggard handles Consumer Debt Litigation and would be very interested in reviewing your file and correspondence. You can reach her at (317) 916-2300.

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Answered on 1/31/03, 2:31 pm


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