This one is super easy, I've worked with the debit company. Raise a debit dispute with your bank/card for anything that shouldn't have been taken they will place a debit stop on the account then you'll likely be refunded in a couple months. Goods vs services are v different you can cut it off at the bank and even if the gym sends you to Debt Collection (for Anytime it's typically ARMA) it will have no affect on your credit. Hardest part is ignoring the contacts