What happens if I never pay and abandon my account?

[Guest]

I know this has probably already been asked, but I couldn't find a straight answer.

I'm a student with an Adobe annual monthly membership, and I didn't realize that you are stuck in these memberships unless you pay more. It's become too costly for me to have these programs, I was wondering if my account will eventually get deleted if I just abandon it and get a new bank card so Adobe can't charge me anymore? Or will I get annoying emails until the end of my membership asking me to pay? 

(Also, I know this sounds scummy, but I have no choice financially, so no comment on that is needed.) 

Thanks in advance!

[John T Smith · Accepted solution]

You signed a contract to pay, so what Adobe MIGHT do (I don't work for Adobe, these are only my thoughts)

Transfer your payments to your new credit card

Send your account to a collection agency

Report you to the credit rating companies

You need to contact support to see if you may be released from your contract

This space is provided by Adobe, but this is not Adobe support
Sorry, nobody here can help with an account or payment problem
This is a public forum, you need the link to Adobe support, not other users
Help Center https://helpx.adobe.com/support.html is a good place to start
Be sure to remain signed in with your Adobe ID before accessing the link below
Do be aware that Adobe's staffing is impacted by the Covid virus, so wait times are long
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You MUST make sure that your browser does NOT block ads, scripts, or pop-ups
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This link will go directly to the chat option
Type "Agent" in the chat box to bypass the chatbot and be connected to a person
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https://helpx.adobe.com/contact.html?rghtup=autoOpen
- or by telephone https://helpx.adobe.com/contact/phone.html
- or Twitter tweet @AdobeCare
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Adobe does NOT do support by email, so beware of answering anyone who sends you a private message
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[Guest]

Thanks for the info, sounds like a crap idea to try it. Just gonna find a way to pay and not make the same mistakes. Now the question has been asked, and it's out there for anyone who wants to try it to know. Def not worth messing with my credit score. 

[kglad]

it's an unsecured debt.  that means you can't be forced to pay, but that failure to pay will be on your record for 7 years affecting your ability to open all lines of credit including credit cards and other unsecured lines of credit and secured lines of credit should you try to obtain a car or home loan, as well as, other contacts (eg, apartment leases).

[Guest]

Thanks for the info, def not worth it, just gonna find a way to pay and avoid all of that trouble...

[kglad]

@Deleted User 

unless you're prepared to function on an all-cash basis for the 7 years following default, it's an awful mess to default on a credit card.  

in addition, adobe is so forgiving to people that present their circumstances in a reasonable manor, there's no reason to default on an adobe account.  you should contact adobe and present your case.

there are 3 ways to contact adobe; chat, phone and twitter:

chat:
use a browser that allows popups and cookies
and click here, https://helpx.adobe.com/contact.html?rghtup=autoOpen
in the chat field (lower right), type AGENT
be patient, it can take quite a while to reach a human.

phone:
https://helpx.adobe.com/contact/phone.html

twitter:
tweet @AdobeCare

p.s. if you're contacted by anyone (via email or private message), it's much more likely to be a scammer than an adobe representative. ie, double check for an employee badge if contacted in the forums and look for an adobe.com domain in the email address if you click reply to an email. then check again and be very suspicious. any other method of contacting (or offering to contact you) is almost certainly a scam, https://community.adobe.com/t5/using-the-community-discussions/staying-safe-in-the-adobe-support-community/td-p/12919684/redirect_from_archived_page/true

[Guest]

Yeah, adobe seems to be very sketchy; I'm just going to give them their money and be done with this crappy company, I hear their customer service is not worth even trying and leads nowhere. Thanks for the info. I'm good now. 

[kglad]

@Deleted User 

got it. 

for others, (like many human interactions) depending on your attitude when contacting adobe support, you may receive sympathy, and you may not.

[Nancy OShea]

Changing cards won't exhonerate you from your obligation to pay until you cancel.  Why not just cancel and be done with it??  It's the right thing to do.  No bad karmic energy to worry about. 🙂

[Guest]

Lol for sure, I was just curious. Gonna pay and be done with it like an adult. 🙂

[kglad]

oh, and one more thing - whatever amount you default on, you must declare as income for tax filings.

[Abambo · Accepted solution]

The end of your nembership never comes up, if you do not cancel, as it renews year for year at the then current rate. If you are in financial difficulties, I would counsel you to plan your exit by contacting Adobe customer care and negotiate your way out. This is the only clean way to get out of this.

[Guest]

Going to pay for my month, and the 50% cancelation fee when I can. no need to call, but thanks.

[kglad]

@Deleted User 

(adobe might relent on the cancelation fee.)

[Test Screen Name]

You cannot escape a debt (of any kind) by cancelling a card. That is actually considered fraud, if done with intent to avoid a contracted payment. The debt may increase. Adobe may sell the debt to a recovery agency. Legal action may be taken. It may cost you much more.  It may affect your ability to get credit and housing in future. 

You signed up for an annual program renewed annually. To avoid the cancellation fee, cancel in the last month BEFORE renewal and it all starts again. It's always cheaper, though, to cancel sooner and pay the fee.

[Guest]

Like I said above, I'm going to just cancel and pay the fee, and be done, thanks, No need for any more comments.