Have your contract explained before you sign up. After being a member since 2009, I have 19 massages I haven't used. I asked to have the automatic payment frozen as it is a waste of money for me to keep paying for something I'm not using. I figured I could burn off the 19 unused, give my bank account a little break, and then unfreeze the payment when I got caught up. The surprise I got was now that they have approximately $931.00 of my money for unused massages, they wont let me use any of the credits I've already paid $49.00 each for while the payments for future massages are frozen. So, they have my money and they wont let me use accrued credits I've already paid for unless I keep paying. I blame myself for not being aware of all the terms of the contract. I just want to make sure that others know if a financial hardship requires you to suspend your membership, don't think you can relax with a massage you've already paid for!