I financed it through a lender at the event. Can I stop those payments?

How do I find out who holds the debt and what kind of product it is?

Read the financing agreement. It names the lender and says what kind of credit it is. Third-party financing and installment contracts have different rules and different creditors from a credit card ^[S38].

Look for:

• The lender's name, and whether it is the same as the company that sold you the program.
• Whether it is a new credit card opened at the event, a pay-later loan, an installment loan, or a payment plan with the seller itself.
• The balance, the payment schedule, and any notice or dispute terms.
• Whether the loan can be sold or assigned to someone else.

If you were told to open a new credit card at the event, that move has its own page.

Do credit-card dispute rights apply to financing?

Only if it really is a credit card. Otherwise it depends on the product and the contract.

Scope. If you opened a new credit card to pay, the credit-card billing-error process may apply, with its 60-day written-notice clock ^[S38]. See the chargebacks page. Can I dispute a coaching charge on my credit card, and will I win? For a pay-later loan, the CFPB's 2024 interpretive rule that treated certain pay-later loans as credit cards was withdrawn on 2025-05-12, so it is not in effect ^[N3]. Dispute rights then depend on the product and the contract.

May apply. A written dispute to the lender may be worth sending. It is a request, not a right you can count on.

Where to check. The financing agreement, the CFPB's pay-later page ^[N3], and a lawyer or legal aid.

Does the law treat a lender's debt collection differently from a seller's?

The law can treat a lender's collection differently. The rules depend on who is collecting, what kind of debt it is, and when the contract was made.

Scope. California's Rosenthal Act, as extended by SB 1286, covers certain commercial debts owed by a natural person to a lender, a commercial financing provider or a debt buyer. The total owed to the same creditor must be no more than $500,000, and the debt must be entered into, renewed, sold or assigned on or after 2025-07-01 ^[S54]. A seller's own payment plan is not shown to be covered by the text read ^[S54]. For debts that are personal, family or household, the Rosenthal Act generally reaches original creditors collecting their own debts ^[S52].

The clock. Check the contract date against 2025-07-01, and the dispute period in any collector's notice. What must a debt collector tell me, and how do I dispute the debt?

May apply. Whether any of this fits you depends on whether your purchase was personal or business, who the lender is, and when the loan was made. That is a lawyer's reading.

What should I ask the lender in writing?

Ask for the facts in writing and keep a copy. Send it by a trackable method.

• A complete copy of the financing agreement and everything you signed.
• The current balance and a payment history.
• Whether the loan has been sold or assigned, and to whom.
• The lender's written process for disputing the debt, and whether payments are expected during a dispute.
• The address where it accepts written notices.

Do not admit the debt or agree to new terms in the same letter. The cancellation letter page has a template you can adapt. How do I write a cancellation letter without admitting anything?

What to do next

Find the lender's name and your agreement, then write to both the seller and the lender.

Write the cancellation letter

Where to complain

Back to the After You've Signed overview

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Who writes this site

Coached Into Debt is written by the organization, with no personal byline. More on who runs it. Who runs Coached Into Debt, and why?