Hello, my name is Ely. I am here to help you. There may be a slight delay between your follow ups and my replies as I type out a reply. Please note: (1) this is general information only, not legal advice; and (2) my function is to give you honest information and not to tell you what you necessarily wish to hear.

Yes. Under 552.17, where you pay a membership fee in four or more periodic payments, then the contract is subject to Chapter 537.

Under(NNN) NNN-NNNN1), the consumer is allowed to cancel any such agreement going forward at every payment. The cancellation has to be made in writing. Let me know if you need a template.

While there is on discussion about a "cancellation fee," the legislative intent here is clear. ("We determine legislative intent from the words chosen by the legislature, not what it should or might have said." Painters & Allied Trades Local Union v. City of Des Moines, 451 N.W.2d 825, 826 (Iowa 1990)). The club cannot accelerate, and thus, cannot charge a cancellation fee because the whole point is to be able to cancel the periodic contract without penalty.

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