In 2008, I did XXXX gym contracts with XXXX XXXX XXXX. To end the contract, I had to write XXXX letters stating that I wanted to cancel my memberships. Both letters was written, but only XXXX was accepted. I 've been receiving debt collectors letters since. I ca n't reach XXXX for the proper help and the debt collectors wo n't help. Now I just received a letter that my checks will be garnished. I do n't know how to go about disputing the debt. Please help.