There are two levels of xbox live, Silver and Gold. Silver is free, and allows you to purchase downloads etc. The thing you pay for, to play games and such, is Gold. If you cancel now, you will just go down to Silver, which means you will keep your profile info in case you ever want to restart it, but you don’t have to pay and don’t get access to gaming, free content, and other stuff. Also, you don’t need to call, just go to their website, sign in, and cancel your account.