First you need to understand that there isn't a "contract" with SXM. If you sign up for service and choose to end the service it is easy and not a pain, you just need to be forceful. They will try to keep you as a customer since that is how they generate revenue, but if you insist that you don't want the service they will cancel it for you. When you cancel you will get a refund as well. The comment about the collections calls and it showing up on your Credit Report are not correct, they do try to collect if you owe them money but it won't be reported to your credit report.