The universal playbook for canceling any subscription service — streaming, SaaS, fitness, or otherwise — with legal protections cited. This guide applies specifically to SiriusXM ($10.99-$23.99/mo) subscribers in Paterson, New Jersey. New Jersey's Automatic Renewal Act protects you.
New Jersey's Automatic Renewal Act (N.J. Stat. § 56:12-16) gives Paterson residents specific protections when dealing with SiriusXM:
Penalties: Consumer fraud violation — treble damages plus attorney fees
Applied to SiriusXM (Phone only) for Paterson residents
Find your billing method
Check whether you subscribed directly (company website), through Apple, Google, or your bank. The billing source determines WHERE you cancel — not the company's app.
Locate the cancellation path
Log into your account → Settings → Billing or Subscription. Under the FTC Click-to-Cancel Rule, cancellation must be as easy as signup.
Document your cancellation
Screenshot the cancellation confirmation screen. Note the date, time, and any confirmation number. This is your legal protection if they keep charging you.
Watch your next billing statement
Check your statement after the next billing date. If you see a charge after cancellation, you have grounds for a chargeback citing the date you canceled.
Block the merchant if needed
If the company charges you again, call your card issuer and request a merchant block. This prevents future charges even without the company's cooperation.
Method: Phone only · Difficulty: nightmare
SiriusXM-specific tips
Prorated refund for remaining subscription period.
Under N.J. Stat. § 56:12-16, Paterson residents may be entitled to a full refund if SiriusXM didn't properly disclose auto-renewal terms.
SubScrub auto-cites N.J. Stat. § 56:12-16 for Paterson residents