Hi,
Three years ago I signed up for KungFu lessons(5 months contract of $850).
2 months into my training I started having some chest pain and physical difficulties. I decided to have a physical check done and discovered that I have heart murmur(FYI the KungFu place didn't require any physical check at class registration). I called up the KungFu master (also the owner) and told him that I can't continue with my training due to my heart situation. The guy insisted that I signed a contract and I owe him $650, but I told him that I won't be attending the class anymore and I have to quit. 1 month later I received a letter from the collection agency asking for $650. I refused to pay and went on with my life. Now 2 years later I did a credit check on my self and found out that my credit score was very low(Poor). I investigated more into my recored and found out that the collection agency reported me to Trans union this month.
What is the best step to take? Should sue the KungFu master or try to talk it out with him (which I'm sure will result with nothing, but a fight or a big argument)? Please I need your help ASAP!
Thanks in advance.

