I misread an offer at a local gym. Instead of signing up for a short trial, I signed up for a monthly membership. The owner didn't contact me about missed monthly dues until several month had passed and is now referring the matter to a collection agency. had he contacted me I would've cleared up the matter immediately. Did he have any obligation to contact me before letting fees accrue and referring the matter to a collection agency? If so, is this a basis to contest the bulk of the fees?