The legally-backed process for canceling Planet Fitness, Anytime Fitness, LA Fitness, and other gym memberships — including contracts and state health club laws. This guide applies specifically to SiriusXM ($10.99-$23.99/mo) subscribers in Iowa, citing applicable state and federal law.
Iowa doesn't have a specific auto-renewal law, but the CFA (no specific auto-renewal law) (Iowa Code § 714H.3) and federal consumer protection laws still protect you:
Applied to SiriusXM (Phone only) in Iowa
Read your membership contract first
Find your contract (check your email or the gym's member portal). Note: the contract term, any minimum commitment period, notice requirements (typically 30 days), and cancellation methods allowed.
Send written notice via certified mail
For gyms like Planet Fitness, Anytime Fitness, and LA Fitness, send a certified letter with return receipt to your home club. Include: full name, address, membership number, and explicit cancellation request.
Visit in-person as a backup
Visit your home club during staffed hours and request cancellation in writing. Ask for a written receipt of your cancellation request with the date and representative's name.
Cite your state's Health Club Act
Most states (CA, NY, TX, FL, IL, etc.) have Health Club Acts that override gym contracts. These laws often require gyms to allow cancellation by certified mail regardless of what the contract says.
Dispute charges after cancellation
After your notice period ends, watch your statement. Any charges after the effective cancellation date are disputable. File a chargeback citing the Fair Credit Billing Act and your cancellation documentation.
Method: Phone only · Difficulty: nightmare
SiriusXM-specific tips
Prorated refund for remaining subscription period.
These apply to SiriusXM in every state, including Iowa:
SubScrub auto-cites 16 CFR Part 425 + sends legally-backed letters