This being HN no one likes to talk about regulatory solutions, but the silence on this one is startling. Wasn't there a day in the US when companies would be fined for this sort of business practice? Why can't we go there today? Is it simply the triumph of free-market orthodoxy and a tacit acceptance that to be a consumer today one must subject oneself to this sort of rapaciousness?
I think you're missing the point all together. The only reason a company can behave this way and retain the number of customers who would have otherwise moved elsewhere is because there isn't a free-market. The companies are run as oligopolies. It is government intervention and protection that has caused this problem in the first place which is what most people don't realize.
A company that presents only the choice of paying for service one doesn't want or being put into collections and having one's credit destroyed should be fined until it corrects its behavior or goes out of business.