Spouse signed up for a membership, but due to diabetic issue quickly ended up having problems which involved massive drop in blood sugar levels during martial arts grappling. Followed the requirements of the company's agreement precisely by going to her primary care physician as well as her endocrinologist. Completed the Permanent Disability Questionnaire and Release Form with signature from physician and attached letter from endocrinology specialist stating that continued engagement at the gym could cause, significant organ damage. All of which met the exact terms for release of a contract. The company refused to honor and has continued to extract payments. Evidently, they would rather see clients die than cancel their billing. I will never use any gym or organization which utilizes this company and will be providing public comments to that effect. User's recommendation: Avoid dealing with any organization that uses this billing service.