Imagine the scenario where F had been going to a local gym since 2018 with a monthly membership subscription. When F went to cancel this week, they informed F that they never actually charged her account during that time (they, the gym, admitted in writing the mistake was on their end) and that F now owes them over $3000.
Assuming F's signed membership contract (which F is asking to obtain a copy of from the gym) doesn't contain any details regarding what would happen in a situation like this, is F responsible for paying the full amount or even any money at all? If so, is F obligated to pay it all at once or can F demand regular payments? If all at once, how long would F have to pay it?