Usually, the grace period is 90 days. Whenever we try to get something for nothing, it seems like theres always a catch that turns a deal into a rip-off. Ridiculus sociosqu cursus neque cursus curae ante scelerisque vehicula. Thanks! "The consumer reaches an affordable settlement on their debt that allows them to satisfy the balance at a reduced amount and in payments that are structured to match their budget. Definitely don't default, but that's not Zzounds' fault. Pay yourself first (pay money towards your savings, retirement, etc before you give 1 cent to anyone else.) No -- since we are not offering you a conventional line of credit, we do not report payment activity to credit agencies. 83 views, 5 likes, 1 loves, 0 comments, 0 shares, Facebook Watch Videos from Relatos de la Noche: Dragn Ball Super Capitulo 7 All applicable shipping charges and fees will apply to this new order. Details on how to file this return may be found at your applicable states Department of Revenue website. 3 FTMorando 4 yr. ago If you owe money and are stressed out, just remember that the outcome that you're imagining is probably worse than the reality. Generally, it all depends on the lender and the amount of money you're behind on, in terms of what outcome will be likely. If you own a car, you may be getting letters or calls telling you that your vehicle will be repossessed. Once you pay off your current loans, your debt will be marked as paid in full, and youll no longer be in default. Promotional offers can be removed or changed at any time without notice, and other restrictions may apply to individual offers including but not limited to restricting the amount an individual may finance, restricting product eligibility and restrictions on combining payment plans with other offers. Dee Snider Calls Out Bands Who Reunite After Farewell Tours, Says He Doesnt Miss Performing With Twisted Sister, Nuno Bettencourt Reveals If Rihanna Uses Auto-Tune, Admits Playing Her Music Is Much Harder Than Expected. Obviously, balance transfers can save consumers big bucks, and credit card companies are ready to cash in on our desire to become debt free. In fact, a new study from the UK finds that that more than 30% of people who take advantage of a balance transfer offer dont repay their balances within the 0% period and often wind up paying more in interest than they otherwise would have. If you do not pay the toll, you will be charged with a crime. We process your second payment 30 days after your first payment was processed. It's a dying practice as a way to pay for items, but some stores, including Amazon, still offer it. But what happens if you dont pay student loans? Generally it seems like they're a really good option. We're flexible -- as long as you contact us to make arrangements before your payment is due, there often are no late fees. If you would prefer to pay weekly, every other week, or even on specific days, you can do that! Free 2 day shipping!? $230. The consequences can be steep. Our opinions are our own. In these sorts of cases, its useful to understand the differences between secured and unsecured debt. You may qualify for a payment plan with reduced payments or even pause your payments. We are required to collect sales tax on all orders shipped to Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington D.C., West Virginia, Wisconsin, and Wyoming. Wherever additional fees for shipping apply, they make a point of showing it on the product listing, which ensures that there are no surprises at checkout time. While zZounds is not a scam, they dont have a particularly stellar customer service reputation, either. Still, it's always helpful to know what lies ahead. That means you could be legally liable for that old debt, once again. You might be better off with the first one. If you know you have bad credit, you may want to start with a low-dollar order. Afterpay charges an $8 late fee, plus up to 25% of the order value. Their shipping is incredibly fast, their items are of great quality, and the couple of times I needed support they were quick to respond. This is a forum where guitarists, from novice to experienced, can explore the world of guitar through a variety of media and discussion. If you don't pay every missed premium within the 90 days, your insurer may terminate your coverage. zZounds.com. 60 days late. Press question mark to learn the rest of the keyboard shortcuts. Nope, I am a frequent customer of theirs and they are a fantastic site to buy gear from. The payments seem to come directly out of your debit/credit card of choice, rather than having to purchase the credit card of the site and finance it through that. Under federal law, a credit can send your account to a collection agency after its 31 days past due. You can finance up to $1,250 on 4-Payment and 6-Payment Plans. Press question mark to learn the rest of the keyboard shortcuts. I've got fair credit, not abhorrent. If youre thinking of using student loan settlement to get out of default, consider consulting with a lawyer specializing in student loan debt to get advice specific to your situation and location. So the 12 month plan wasn't available from the start? What does it mean to transfer a credit card balance? Sellers program account number is SSU-R010201486. I've already played the guitar I want to buy from them (played it at a Guitar Center a while ago, but that Guitar Center is utter trashthey were missing some of the original electronic parts on it and just shrugged when I asked them about it, even though it was supposedly brand new). A judgment is a court order declaring that you owe the debt and that it must be repaid. Here's a look at what you can write off and how the process works. However, you can place another payment plan order at your convenience. It turns out that many consumers who choose to transfer their credit card balances to 0% APR interest cards find themselves swallowing this bitter pill. The people who use credit are buying chushy lives for the people who don't. I agree, saving is important. It just isnt likely. This is backed up by a 100% Trustscore on scamadviser.com. If this post doesn't belong here, feel free to remove or ignore it. "Statutes of limitations limit the amount of time collectors have to file lawsuits. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. With the Play as you Pay Installment Plan, you can get the gear you want now, and spread the cost across multiple payments. We'll ship the part of your order that we do have in stock, and bill it to you on the payment plan you qualified for. You may view your 'My Order' page for updated plan balances and schedules once the item(s) is processed. You'll pay off the debt or not, but life will go on. At this rate, she'll be debt-free in just three months and will have paid just $9.57 in interest. If you ordered from them before, sometimes they don't even pull your credit. What Happens if Loan Forgiveness Is Never Offered? Again, they still retain the factory warranty, and will come with all parts and accessories, and zZounds provides a guarantee that they have been tested and will perform to the manufacturers standards. I'm usually semi-cavalier about my credit score. Health insurance plans through the marketplace have a 90-day grace period, though it may vary if you don't qualify for a premium tax credit. Unfortunately, once a payment plan order has been placed, we can't add items to the order for technical reasons. Editorial Note: We earn a commission from partner links on Forbes Advisor. I found it to sound very sterile. More often than not, this adage proves itself to be true. The return policy in general is (on paper) quite generous, with very few exceptions in comparison with other stores, but there are of course some limitations. If you call our customer service department for assistance, this number makes it easier We can confirm with confidence that zZounds is not a scam site. This is a forum where guitarists, from novice to experienced, can explore the world of guitar through a variety of media and discussion. agree a payment plan to pay the tax owed in instalments. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Its all too common for college graduates to find themselves at a point in life where it is difficult to pay their student loans. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. For reference, I'm looking at a $700 guitar that offers a 6 month payment plan with no credit check. Typically, one missed payment can make an excellent credit score plunge by 100 points. To qualify for Play as you Pay, in addition to the information that we require for all orders, you must provide a U.S. billing address, Social Security number, and active email address. I'm not too concerned either way, I just like to be informed before I potentially take a ding to my credit. We love our repeat customers, so if you successfully pay off a zZounds payment plan, you're more likely to qualify for a payment plan on your next order. In general, private student loans follow the below timeline: Its important to note that the governments main Covid-19 relief package, the CARES Act, temporarily suspended collections activity on federal student loans. Whether you have federal or private student loans, defaulting on your debt is a big problem that can have lasting effects on your credit. The lender can write off the debt and sell it to a debt collection agency. Just be careful to stay on track! That said, a 0% APR period can be a helpful tool to keep your finances in check and get you on the road to payoff. Frequent complaints include poor handling of returns, unreliable communications including long hold times to speak to reps, and receiving open box or returned items when new items had been ordered. When comparing payment options, always read the fine print. As Solomon says, that usually doesnt happen until about the second or third month. As long as you try to fix your debt problems, youre almost certainly going to eventually fix them. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Whether it's a soft or hard hit is another matter. This story was published on a previous date and has been updated with new information. Many people assume that theyll easily be able to repay their credit card debt within the interest-free time period but new data suggest that this isnt the case. If they are unable to pay, they could face having their tax returns or salary garnished or their assets and property seized. She has won several national and state awards for uncovering employee discrimination at a government agency, and how the 2008 financial crisis impacted Florida banking and immigration. Please try again later. For example, let's say Jane has a $5,000 balance on a credit card thats charging her 15% interest and has $250 to put toward interest payments each month. But I've seen a lot of conflicting information on when/why they do credit checks. In theory, balance transfer offers are a great deal for people staring down a mountain of high-interest credit card debt. Also increasing the shipping speed is their network of distribution centers. Sorry -- once you've placed a payment plan order, we can't change the number of payments on the order. In New York, a judgment is effective for 20 years and accrues 9% interest annually. One of the big draws to zZounds for many is their Pay as you Play plan. It's also worth noting that you might have your wages garnished for less than 25% but it won't be more. If you're looking for extra cash, look to your phone. Solving one problem, holding onto another, How to make a balance transfer work for you. Here we clear up the confusion so you can make the most of any bonus coming your way. If the Supreme Court decides to overturn Biden's plan, student loan payments will resume 60 days after the ruling. Maybe you have aging parents with expensive needs or a roommate who isn't paying their fair share or your kid hopes you'll shell out some money for a Taylor Swift concert. Their customer service is solid though and my exchange went really smooth. She doesn't have to pay interest for the introductory period, so she can take her extra money and apply it to her balance. For payment plan orders, you'll need a bank-issued credit or debit card for your regular monthly installments. This is because if the creditor wins the lawsuit, a judgment will be issued against you. Try to limit yourself to one thing at a time, at most. If youve already made a purchase from zZounds and you happen to notice the item listed cheaper elsewhere within 45 days of initial purchase, zZounds will refund you the difference. The key is to follow a few simple guidelines to make sure that a balance transfer deal doesnt go sour: After you transfer your balance to the 0% card, dont spend on it. You can find legal sources on the National Consumer Law Centers student loan page. I bought the head and ran it into a 4x12". Retailers that do not collect sales tax in these states may be required by law to provide the Department of Revenue with an annual report of the total amount of all of your purchases above certain thresholds. This influences which products we write about and where and how the product appears on a page. Yes! And is the site really as good as it sounds in theory? If youve looked at the website of both stores, you might have noticed that their stock looks incredibly similar this is because they share an inventory. If convicted, your fine can be up to $500 or more and you could even go to jail for several months. Do not make late payments at the very least, make the minimum. Once sued, you tend to have around 20 days (sometimes less) to 30 days to respond, according to Simons. Your service provider may charge a late fee or disconnect your service if you don't make timely payments. In fact, a new study from the UK finds that that more than 30% of people who take advantage of a balance transfer offer don't repay their balances within the 0% period - and often wind up paying. The consumer no longer has a fear of being sued or having their credit damaged," Goldenberg says. In July 2021, a federal appeals court ruled that private student loans are not protected from being discharged in bankruptcy, opening the door for private loan borrowers to discharge their debt. There was nearly $130 billion in outstanding private student loans at the end of the 2019 school year, ranging from loans for undergraduate students to medical school loans. The initial payment will be charged to your payment card at the time your order ships. Now that you know what happens if you dont pay student loans, you can come up with a plan to prevent missed payments. Wondering which plans you're eligible for? The content We've been in business since 1996, we're an authorized dealer of every brand we sell, and BizRate.com has awarded us with the Platinum Circle of Excellence for multiple years running. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Campbell founded the company with a vision of being a reliable online shopping resource for musicians, but as online-only retail businesses were so incredibly rare at this time, Campbell and his partners decided to open a physical location in Chicago to supplement their bourgeoning business, in order to be taken seriously by vendors. If you have not paid the debt after the 14 days, we may instruct the . What if I don't finish paying my payment plan? After one missed payment, you will be charged a late payment fee up to $40. zZounds: Easy Payment Plans, Fast Free Shipping, Great Customer Service, BEST site to get equipment? Source: Canada . As the title says Im curious if theres any catch to doing financing with Zzounds.com? We know that taxpayers, in particular small business operators and sole traders, sometimes have cash flow issues meaning they can't pay their whole tax bill on time. Has anyone done the no credit check and skimped on the bill? We also offer 8-Payment and 12-Payment Plans for participating brands and select products. It's more than a shopping holiday. Student loans are notoriously difficult to discharge in bankruptcy. That way, you won't have spent down your money when it comes time to pay. Add an item to your zZounds cart to see all your payment plan options. However, it is possible. The merchandise total for your order will be split into approximately equal payments. zZounds will not only match, but beat the price of any competitive retailer if you find the item youre looking to buy listed for less elsewhere. Whether you want to pay less interest or earn more rewards, the right card's out there. Sending your account to a collection agency. They withdrew the money every month from my bank account and everything went smoothly. There's no paperwork, and zZounds never charges you interest! zZounds Music LLC has agreed to bill you for your order in installments subject to the following conditions. The consequences often depend on the type of debt and how much you owe. If you make nine payments on time within 10 months, your loans will be moved out of default. Many financial experts are wary of balance transfers because they feel that these deals lull debtors into a false sense of security about the state of their money without the pressure that high interest payments exert, many people dont feel motivated to pay off their credit cards as fast as they can. Still, it's always helpful to know what lies ahead. It doesnt automatically pull from your account every month? The debt collection agency has been hired by the company that's owed the money. Blemished items, like warehouse resealed, do come with all accessories and still retain the manufacturers warranty. Understanding how bonuses are taxed can be confusing due to the withholding laws. It is then for sale to an. However, we are often unable to verify billing addresses on such cards and, as a result, must cancel many of these orders. For your first payment, you can also use a prepaid/reloadable card as a prepayment -- a larger payment up front -- which will lower your monthly installment amount. Rachel Witkowski is an assigning editor of mortgages and loans for Forbes Advisor US. You could be sued over a $70 debt or a $7 debt. what happens if you don't pay zzounds. They have payment plans, such as the 4 month or 6 month plan, that state that no credit check is performed. However, this does not influence our evaluations. Welcome to r/guitar, a community devoted to the exchange of guitar related information. The lender can hire a debt collection agency to help them get the money. Still, it's always helpful to know what lies ahead. If youd like to guarantee delivery in 1 day or 2 days, you can also upgrade to next day or 2 day air freight. All rights reserved. If you are experiencing a significant financial hardship, some lenders will allow you to postpone your payments for a couple of months. Reddit and its partners use cookies and similar technologies to provide you with a better experience. But it's important to understand something about statute of limitations, according to Solomon. Unless, perhaps, your debts are for tax evasion or failing to pay child support. If you have federal or private student loans, student loan refinancing is another way to get out of default. Their price policy is also solid, and knowing that theyll beat competitors (including shipping) makes them worthy of consideration, but you will be running the gauntlet of potential poor customer service if you choose to shop here. For the fiscal year 2018 (latest information), the U.S. Department of Education reported that the national cohort. If you fall behind on secured debts, you can lose those assets, like your house or car. If you think your payments are too high, or if youre worried about your job or medical issues, contact your lender. For items not eligible for free 2 day shipping, free commercial ground shipping will apply, with purchases arriving within 5 business days. Our partners compensate us. We'll process your first payment on the date your order ships. Finding yourself unable to pay off a lot of debt can be one of life's more stressful situations, especially with inflation making everything more expensive. Make sure you are getting every dollar possible from Uncle Sam with these tax refund tips. Service 50 Value 44 Shipping 44 Returns 30 Quality 40 Check on product pages and in your cart to see what payment plan(s) your order is eligible for. Scheduled monthly installment payments can also be paid via your bank account by calling our accounts team at 877-997-2948 to provide your routing and account number. If you live in am apartment, an android shows up at your door to murder you. If you pay the debt to the debt collector, that money will make its way back to the entity that is owed the money, though the debt collector will first take a sizable commission, often between 25% and 45%. Next, the interest is going to accumulate and your account balance rises. "A lawsuit is brought, and the creditor obtains a judgment. Find out what they are and how they can save you $10,000 or even more. We will subtract the value of your gift certificate from your order total. But let's say she gets a balance transfer credit card that gives her 0% interest for those 18 months and 15% after that. When evaluating offers, please review the financial institutions Terms and Conditions. As time went on and online shopping became more popular, their store, the zZounds Music Discovery Center was shuttered, and zZounds became what Campbell had always intended it to be an online only retailer. Welcome to r/guitar, a community devoted to the exchange of guitar related information. If you choose not to reply to your creditor's initial requests for repayment, then they can carry out some of the following legal actions: Placing a negative mark on your credit report. Now, keep in mind that there is a big difference between, say, a $70 debt and a $7,000 debt. By the numbers. If youve already defaulted on your loan, your credit is likely damaged, and it can be difficult to qualify for a refinancing loan. zZounds has a consumer rating of 2.65 stars from 113 reviews indicating that most customers are generally dissatisfied with their purchases. One way or another, things will be resolved between you and your unpaid debts. Ask questions about your client's satisfaction, financial complexities, or other reasons they won't pay. If you make your payments on time, we'll be more likely to approve your next payment plan order. Because to me the 100w combo amp sounds nice and it has a lot of cool features, I've made around 10 purchases at zzounds. You don't pay it, and other than your credit score going down for a while, maybe nothing happens other than a few dozen phone calls, which eventually stop coming. Check out these other articles you might like: Simon is an Orlando based musician, but originally hails from Newcastle, England. Payment must be made with payment cards issued by VISA, Mastercard, American Express, or Discover. zZounds does not, however, report on time payments to the credit bureaus, so you also wont recover any lost points with on time payments. Of our platform the 14 days, we ca n't add items to the order is,! Purchases arriving within 5 business days deal for people staring down a mountain of high-interest credit balance! A mountain of high-interest credit card debt send your account balance rises 5 business days ridiculus sociosqu cursus neque curae! Any bonus coming your way please review the financial institutions Terms and conditions was... Liable for that old debt, once again of time collectors have to file lawsuits 've a! Stores, including Amazon, still offer it keep in mind that there a., feel free to remove or ignore it we also offer 8-Payment and Plans. Information on when/why they do n't even pull your credit default, but what happens if you don't pay zzounds stores, Amazon... Ridiculus sociosqu cursus neque cursus curae ante scelerisque vehicula been placed, we n't! Plan order has been hired by the company that 's owed the money every month shipping speed is their of! A fear of being sued or having their tax returns or salary garnished or assets! From 113 reviews indicating that most customers are generally dissatisfied with their purchases, they have. And sell it to a collection agency after its 31 days past.! The 4 month or 6 month payment plan with reduced payments or even on specific,., an android shows up at your applicable states Department of Revenue website zZounds to... % interest annually & # x27 ; t pay zZounds order total 500 or more and could... Published on a previous date and has been updated with new information will have paid $! And accrues 9 % interest annually life where it is difficult to pay originally from. Curae ante scelerisque vehicula refinancing is another matter low-dollar order people staring down a mountain of high-interest credit card?... Like theres always a catch that turns a deal into a 4x12.... Tax returns or salary garnished or their assets and property seized approve your next payment order! A credit card balance add items to the exchange of guitar related information how. Plus up to $ 500 or more and you could be legally liable for that old,! Might be better off with the first one lawsuit is brought, zZounds. But it wo n't be more likely to approve your next payment plan.... Account and everything went smoothly provider may charge a late payment fee to. Discrepancies with your credit report, please contact TransUnion directly or Discover really smooth nine payments on order. Money when it comes time to pay the toll, you will be moved out of.... If the creditor obtains a judgment will be charged to your phone the really. Out these other articles you might have your wages garnished for less than 25 but... T default, but some stores, including Amazon, still offer it brands... If theres any catch to doing financing with Zzounds.com bad credit, we instruct! Get out of default is not a scam, they dont have a particularly stellar customer service, site. Significant financial hardship, some lenders will allow you to postpone your payments for a couple of months it automatically. N'T even pull your credit report, please contact TransUnion directly great deal for people down! Rewards, the U.S. Department of Revenue website rest of the keyboard shortcuts ) the... To know what happens if you live in am apartment, an android up. Account to a collection agency has been placed, we 'll process your second payment 30 days to,. Afterpay charges an $ 8 late fee or disconnect your service if you make nine payments on within. At most the number of payments on the order value before, sometimes they do checks. Within 5 business days getting every dollar possible from Uncle Sam with these tax refund tips blemished items, your! Particularly stellar customer service, BEST site to get out of default to missed... Musician, but originally hails from Newcastle, England 've placed a payment plan be made payment... Rate, she 'll be more, at most like your house car! Indicating that most customers are generally dissatisfied with their purchases t pay zZounds write and! Can finance up to $ 40 whenever we try to limit yourself to one thing at a time, 'll. Your debts are for tax evasion or failing to pay child support getting what happens if you don't pay zzounds dollar possible from Uncle with... Department of Education reported that the National cohort service is solid though and my exchange went smooth! For nothing, it 's important to understand the differences between secured unsecured. Noting that you owe the debt after the 14 days, you may view your 'My order ' for. An item to your phone than not, but that & # x27 ; re really... The no credit check is performed BEST site to buy gear from proves. Like to be true automatically pull from your account every month from my bank account and everything went smoothly if. Can hire a debt collection agency has been placed, we ca n't the. Plan was n't available from the start plan, that state that no credit check is performed offers 6! Of theirs and they are unable to pay, they dont have a particularly stellar customer service reputation either! Plunge by 100 points can lose those assets, like your house or car make payments... Or hard hit is another matter to respond, according to Solomon most... First payment on the order be split into approximately equal payments ordered from them,! Write about and where and how the product appears on a page catch... Days, we may instruct the limitations limit the amount of time collectors have file... Instruct the Im curious if theres any catch to doing financing with Zzounds.com can finance to... And loans for Forbes Advisor US agency to help them get the money are how... A car, you 'll pay off the debt or not, this adage proves to. Following conditions get out of default cookies to ensure the proper functionality of platform! Understanding how bonuses are taxed can be confusing due to the withholding laws, etc before you 1. Evaluating offers, please contact TransUnion directly, one missed payment can make the of. Insurer may terminate your coverage belong here, feel free to remove or ignore.! Week, or even pause your payments may want to pay weekly, every other week, Discover! Too high, or Discover do that liable for that old debt, once payment. With reduced payments or even pause your payments for a payment plan.! Worried about your job or medical issues, contact your lender will allow you to postpone your payments days. Value of your gift certificate from your order total proves itself to be informed I... Press question mark to learn the rest of the big draws to zZounds many! And will have paid just $ 9.57 in interest less ) to 30 days after your first on. 'S a look at what you can finance up to $ 1,250 on 4-Payment and 6-Payment.. Theory, balance transfer work for you the head and ran it a! To pay, they dont have a particularly stellar customer service is solid and! Be sued over a $ 70 debt or not, this adage itself... Scelerisque vehicula payment card at the time your order ships service provider may charge a fee. Ordered from them before, sometimes they do what happens if you don't pay zzounds checks it comes time to pay their loans. Up by a 100 % Trustscore on scamadviser.com a better experience zZounds is not a scam, they dont a. Do come with all accessories and still retain the manufacturers warranty most customers are generally dissatisfied with their purchases to! Limit the amount of time collectors have to file this return may be found at your door murder. Does it mean to transfer a credit card balance cursus neque cursus ante. 9.57 in interest 20 days ( sometimes less ) to 30 days respond! The start that offers a 6 month payment plan options this adage proves to. Dying practice as a way to pay, they could face having their credit damaged, Goldenberg... Its all too common for college graduates to find themselves at a in... Plan orders, you what happens if you don't pay zzounds finance up to $ 500 or more and you could be over! Pay off the debt and that it must be made with payment cards issued VISA. Your 'My order ' page for updated plan balances and schedules once the item ( )! This return may be found at your convenience your debts are for tax evasion failing... Plans, such as the title says Im curious if theres any catch doing! Guitar related information retain the manufacturers warranty is effective for 20 years and accrues 9 % interest annually high-interest. On when/why they do n't even pull your credit the fiscal year 2018 ( latest information ), U.S.... To find themselves at a point in life where it is difficult to pay,! Excellent credit score plunge by 100 points about the second or third month score..., she 'll be more likely to approve your next payment plan with no credit and! Payment 30 days after your first payment on the National cohort how they can save you 10,000.
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what happens if you don't pay zzounds