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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 excellent way to secure a vacation spot for you and your family. However, the financial obligations they come with can sometimes become overwhelming. This often leads people to wonder, “What happens if you stop paying on your timeshare?” This blog post will explore the unexpected consequences that can arise from discontinuing your payments.

Understanding Timeshares and Their Financial Obligations

Before delving into the specifics of what happens when you stop making payments, it’s essential to understand what a timeshare is and the responsibilities that come with it. A timeshare is a property with a divided form of ownership or use rights. These properties are typically resort condominium units, in which multiple parties hold rights to use the property, each with a certain period.

Maintenance Fees

In addition to the initial purchase cost, timeshare owners are required to pay annual maintenance fees. These fees cover the costs of managing the resort or property and can increase over time.

The Impact of Non-Payment on Your Timeshare

If you stop paying your timeshare dues, several things can happen, and none of them are particularly pleasant.

Late Fees and Interest

The first thing that will happen if you stop paying your timeshare dues is the accumulation of late fees and interest. This can significantly increase the amount you owe.

Damage to Credit Score

Non-payment can also have a substantial negative impact on your credit score. This can make it more difficult to secure loans or credit cards in the future.


Perhaps the most severe consequence of not paying your timeshare dues is foreclosure. If you default on your payments, the lender can take legal action to repossess the property.

Possible Solutions If You Can’t Afford Your Timeshare Payments

If you find yourself unable to keep up with your timeshare payments, there are several steps you can take to mitigate the damage.

Sell Your Timeshare

One potential solution is to sell your timeshare. This can allow you to recoup some of your investment and relieve you of your ongoing financial obligations.

Rent Out Your Timeshare

Another option is to rent out your timeshare to cover the costs of your dues. However, this can be a complicated process and may not always be allowed under the terms of your contract.

Negotiate With Your Timeshare Company

If selling or renting out your timeshare isn’t an option, you could try negotiating with your timeshare company. They may be willing to work out a payment plan or even accept a deed in lieu of foreclosure.

Final Thoughts

While it might be tempting to simply stop paying on your timeshare if you’re facing financial hardship, it’s clear that this decision can have serious consequences. From damage to your credit score to the potential for foreclosure, non-payment can result in significant financial and legal issues.

Instead, consider options like selling your timeshare, renting it out, or negotiating with your timeshare company. By taking proactive steps to address the situation, you can prevent further damage and potentially find a solution that works for you.