I subscribed to Reader's Digest, paid the first payment, forgot to mail the cancellation letter, and got a call about the payment not going through. I just don't have the money to pay anymore. I asked if I could please cancel, that I would pay for this month but please cancel the rest of my subscription, and they told me since 14 days had past I COULDN'T cancel. Is this legal? How do I cancel a subscription that says I have to pay $50 for 24 months without cancelling now??