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Timeshare Exit Bureau

The Truth About Buying and Exiting Timeshares

Timeshare Exit Bureau

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Get Out Of Your Timeshare

Timeshares can be an appealing vacation option, offering the promise of a guaranteed getaway spot each year. However, they come with ongoing financial commitments in the form of timeshare payments and maintenance fees. So, what happens if you stop paying your timeshare dues? Let’s delve into the truth about timeshare payments.

Understanding Timeshare Payments

Before we explore the consequences of non-payment, it’s important to understand what timeshare payments typically involve. When you purchase a timeshare, you’re buying the right to use a vacation property for a specific period each year. This purchase often involves an upfront cost and ongoing annual maintenance fees.

The Consequences of Stop Payments

Deciding to stop making payments on your timeshare can lead to serious repercussions. Here are some of the potential outcomes you might face.

Collection Efforts

If you outright abandon your timeshare and refuse any further payments, the resort will likely make collection efforts. These could include sending letters, making phone calls, and potentially hiring a collection agency.


A more severe consequence of not paying your timeshare dues is foreclosure. Just like with a traditional mortgage, if you default on your payments, the lender can take steps to reclaim the property. Foreclosure can have a significant impact on your credit score and your ability to borrow in the future.

Loss of Access

Failing to pay your annual maintenance fees can result in losing access to your timeshare unit. You may be blocked from using the online booking system, and you won’t be able to use the property until your outstanding balance is paid.

Damage to Your Credit Score

In most cases, delinquent payments will eventually be reported to major credit agencies. This can lead to a reduction in your credit score, making it harder for you to get credit cards, loans, or mortgages in the future.

The Escalating Costs of Timeshare Ownership

One of the main reasons people stop paying their timeshare dues is the escalating cost of ownership. Maintenance fees often increase over time, which can make your timeshare less affordable than you initially thought. It’s important to be aware of these potential increases when considering a timeshare purchase.

Exploring Alternatives to Stop Payment

If you’re struggling to keep up with your timeshare payments, there are several alternatives to consider before simply stopping payment.

Selling Your Timeshare

You may be able to sell your timeshare to someone else. However, bear in mind that the resale value of timeshares is often significantly lower than the original purchase price.

Renting Out Your Timeshare

Another option is to rent out your timeshare during your allotted weeks. This can help offset the costs of your maintenance fees.

Negotiating With Your Timeshare Company

Some timeshare companies may be willing to negotiate your contract terms if you’re experiencing financial hardship.

Final Thoughts

The decision to stop paying on your timeshare should not be taken lightly. It can lead to severe consequences, including foreclosure, damage to your credit score, and loss of access to your vacation property. If you’re struggling with timeshare payments, consider exploring alternatives such as selling or renting your timeshare, or negotiating with your timeshare company. Remember, it’s crucial to seek professional advice before making any decisions about your timeshare payments.

To continue educating yourself about the timeshare industry, read more Timeshare Exit Bureau blogs.