The only argument I see is that having a non-cancellable contract without an early termination clause is unconscionable given the potential for businesses to fail within their first 48 months. An unconscionable contract violates most state Consumer Protection
statutes. However, this is not a concrete argument and will depend on the facts of each case. The contract on its face is legal, and the argument against you would be that you saw the contract and the term of the contract and signed it.
I've looked at some of the complaint forums you have referenced. Everyone seems to be complaining about the same thing. Unfortunately, this type of consumer complaint generally falls under the "buyer beware" column, rather than "illegal contract" column.
You could file a suit for a declaratory judgment
to seek cancellation of the contract under the following law:
California Civil Code
(a) If the court as a matter of law finds the contract or
any clause of the contract to have been unconscionable at the time it
was made the court may refuse to enforce the contract, or it may
enforce the remainder of the contract without the unconscionable
clause, or it may so limit the application of any unconscionable
clause as to avoid any unconscionable result.
(b) When it is claimed or appears to the court that the contract
or any clause thereof may be unconscionable the parties shall be
afforded a reasonable opportunity to present evidence as to its
commercial setting, purpose, and effect to aid the court in making
Frankly, this will be a very hard argument to make, and will be very expensive.
You could simply refuse to pay them, but from what I've seen they do send you to collections and will ruin your credit.
A consumer lawyer's group is investigating the potential for a class action. You can contact them at: http://www.classadvocate.com/classaction.php?id=1573
to register with them.
In the end, the only way you are going to get out of this is either by suing them (which will not be cheap) or by refusing to pay and closing your accounts and disputing their collection efforts.