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Safe method of paying for a Gym Membership?
I once was reviewing one of those contracts with plenty of bad clauses in it, sitting across from the salesman whose commission depending on me signing it.  I started crossing out all the bad clauses, initialed them and said I would sign it if he'd initial the changes as well.  Oh, and there was one clause that said something like "THIS CONTRACT MAY NOT BE MODIFIED WITHOUT THE EXPRESS WRITTEN CONSENT OF THE EXECUTIVE VICE PRESIDENT..."  Of course, I crossed it out as well.  I signed, he signed.  Everyone was happy.  Fortunately I never had to deal with any of the issues, but what's the worse they could do?