1. Contract Financing Terms Do Not Violate State Law Regarding Health Clubs Justin Larwa Justin Hitchens

2. The fitness club showed her the paper work and for the financing instead of paying the full payment to use the gym up front would cost more. She wanted out of the membership but she signed a contact, so there is a fee for leaving the contract early.

3. Health Club Contract- A contract provided by the gym to let members work out for a fee. Class Action- A lawsuit filed or defended by an individual or small group acting on behalf of a large group.

4. Citation Ruiz v. Bally Total Fitness Holding Corp., 496 F.3d 1 (1st Cir., 2007)

5. Decision Affirmed. The HCSCA states that “No contract for health club services shall require payments or financing by the buyer over a period that extends more than one month beyond the expiration of the contract.” Ruiz claims the financing of the $1,565 over 36 months violates the contract. The terms of the contract were clear and she won.