Do not subscribe to btcjam. If you remain inactive for a 365 days laps of time they will charge you up to 5$ depending on the btc you have on your account. Moreover lots of loans are scam and you will loose all your investment.
Moreover when sibscribed yyou cannot unsubscribe paying up to 60$ / yearly ...
Then do what you want!
Regards
Can you post a link to wherever you are being told about being charged anything in their TOS, so that I can yell at them in another email again for being fucking scammers? Thanks!

In the event that a Users account is inactive for over 365 days with a positive Bitcoin balance, the Company will charge an account maintenance fee of the Bitcoin equivalent of up to $5.00 USD per month (Monthly Fee). Inactive is defined as an account where: 1) a User is not invested in any loans on the Site; or 2) the User has invested in a defaulted loan in which an arbitration award has been issued; or 3) has not performed another transaction such as purchasing a note.
Moreover I have 0.0005 on btcJAM: how much will be the fee?
Also: 0.00000 BTC is a positive balance?
I've never invested nor requested a loan, but they have parked my account so I cannot do anything: am I inactive?