I would be a little bit wary of stopping payment immediately. I am not a lawyer and the following is not legal advice but...
The important thing is to know what contractual agreement you have entered in with Hair Club.
Even if there really is no contract, and you really have signed nothing, agreed to nothing, you may still be bound to pay if a third party could reasonably believe that you authorised their service, by for example listening to an explanation and accepting a system.
They may claim for instance that simply designing the system for you costs X amount of money, which requires that club members keep purchasing the system for X amount of time. Their claim that there are already systems in the process of production does not seem radically unreasonable, so their asking for one or two months notice before you quit does not sound absurd (even if it is not true) and a judge might buy it.
The chances of their taking you to court are however very remote because it would be extremely bad publicity for them.
You need to get the contract in writing. The first thing to do is to ask them for written copy of the contractual agreement that they claim pertains between you. If you talk to them ask if you can record the conversation, and definately make notes.
Obviously they can't keep you paying forever. How many months are they claiming you have to pay?
And obviously money is really tight now, but if you can afford a lawyer, that you can trust (recommendation from a family member?), then it will be a huge help and relief to you.
However, far more than the legal hold that they may have on you, which would be terribly bad publicity if they tried to enforce it, I suspect that the psychological hold is stronger if you are still using their product. That is where this forum can help. I strongly recommend that you read the posts here on this forum about how people have taken back their lives, stopped using the system, and shave their head. That is the really important point.
Good Luck
