The devil is in the details, and it's never truer than when it comes to fitness-club contracts. Fast-talking reps may offer you a deal you can't refuse, but often that's exactly what you should do. "Sometimes you end up with salespeople trying to make quotas that engage in pressure," says Helen Durkin, the head of public policy at IHRSA, the health-club association.Occasionally, this can lead to a glossing over of details. One Bally offer that has elicited complaints on Consumer Affairs' Web site is a 30-day trial membership with a catch: You must visit the club a minimum of 12 times during the first month to cancel without penalty; otherwise, you're locked into a multiyear membership. Some consumers complain that they did attend the required number of times but that when they decided to cancel, the club had no record of the visits. A Bally spokesperson says the company's policy is to check all members entering the club and record their usage. Your best defense: Read every word of the contract. Never rely on a suave salesperson's "word" no matter what authority they profess, and don't let anyone pressure you into signing before you're ready. Take the contract home and read it overnight.