They will NOT send you to collections over a $20. By law there is a minimum charge collection agencies will accept. I believe this amount is $250, but it could be as small as $100. Ignore North Shore Collection Agency. Simply send the envelope back with your request to cancell. But my goodness, don’t pay then expect a refund. Their purpose is to scare you. I have (for decades), subscribed to magazines and never paid. I like to read one or two free issues – and why not. Worst to get free – Oprah Magazine only sent me 1 free issue. Keep a file of your endeavors. And never, ever in your life pay by credit card.