3 proven methods to uncover every recurring charge across all your accounts — including forgotten trials and zombie subscriptions. 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
Download 3 months of bank and card statements
Get PDF or CSV statements from every bank account and credit card. Most banks let you download from online banking. Go back at least 90 days to catch quarterly billing cycles.
Search for recurring amounts
Highlight every charge that appears at the same dollar amount each month. Patterns: $9.99, $14.99, $19.99, $49.99. Annual charges show up once — look back 13 months to catch them.
Check app store subscriptions
iPhone: Settings → [Your Name] → Subscriptions. Android: Play Store → Payments & subscriptions. These are managed separately and often forgotten.
Search email for billing receipts
Search Gmail or Outlook for 'receipt', 'subscription', 'renewal', 'billing', 'your plan'. Filter by the last 12 months. This catches services billed via PayPal or gift cards.
Check PayPal and Venmo recurring payments
Log into PayPal → Settings → Payments → Manage automatic payments. Venmo: Settings → Payment methods. Many users have 2–5 forgotten subscriptions here.
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