timeshare relief Archives - Vacation Ownership Consultants

Online Timeshare Advice by Keyboard Warriors Isn’t Usually Valid

by Jordan Trask | Nov 18, 2019 | About Us, annual costs, Cancellation, Home-Blog, Home-Page-Blog, maintenance fees, timeshare relief, Travelling, Vacation Ownership | 0 comments

When you think about it, credible information online can be difficult to come by. In a world full of people that are vying for the consumer’s attention, it’s not surprising that most information is nothing more than an opinion. Although finding dependable resources is becoming more popular amongst the general population, most people still aren’t sure what is actually believable. This is especially true when it comes to reasonable timeshare advice. Since most communication within this industry is rather aggressive, consumers are essentially forced to trust what seems to be the most ideal.

The problem is, most advice in the timeshare realm is questionable at best. While you might assume we’re writing this to promote the agenda of our cancellation services, it couldn’t be further from the truth. At the end of the day, we want to help potential buyers and current owners make favorable choices regarding timeshares. Knowing what you’re getting yourself into and who might mislead you along the way helps you avoid the inevitable disaster that follows an uninformed purchase of this magnitude. Consumers deserve to know the truth and we’re eager to share the efforts we’ve invested in to prove our communication is sincere.

Keyboard Warriors Can Be Very Persuasive.

Assessing the types of online messaging that timeshare owners come across while browsing the internet can’t be done in one article. So we decided to focus on what we believe to be the loudest voice in the digital world, the keyboard warriors. Whether they’re logged into social media accounts, chatrooms, message boards or website comment sections – these people are extremely motivated to share their opinions on a number of topics. It always seems like they have excessive time to burn and rarely waiver from their stance no matter how much factual information is presented to them.

Considering timeshare advice from those that seem to be credible is flat out dangerous. If you’re uninformed and looking for guidance, keyboard warriors can be awfully persuasive. Because they believe in something (or someone) so strongly, they feel like they have to influence people to adopt their perspective. They also think they have the right to verbally destroy (or type to death) anyone in opposition. Challengers often walk away from these types of digital arguments due to a person’s ignorance or lack of open-mindedness during the conversation.

Since a majority of remorseful buyers want to believe they can get out of expensive timeshare purchases for free, they tend to value the opinion of those who confidently spew timeshare advice. Especially when the resort hasn’t been helpful and they’re considering paying for exit services to avoid further penalties. Anything that encourages owners to remain optimistic, even if it’s inaccurate, clouds their judgment and causes them to avoid using logic.

What Kind of Timeshare Advice Can You Expect?

When seeking timeshare relief, owners normally have no idea where to begin. Most file complaints or join online conversations to share their story with users who’ve experienced similar misconduct. When complaints aren’t pursued to their satisfaction, they have no choice but to find someone who can advise them on what to do with their timeshare. Since many aren’t to the point of hiring a lawyer or cancellation firm, they ideally would like to find a way to work things out. The last thing they want to do is sign up for a scam or incur more penalties.

Inaccurate Input Regarding Timeshare Relief.

When the answers they receive tell them they’ve been lied to further, it’s believable. For the most part, disgruntled buyers have been deceived throughout the entire timeshare experience. Responses that arrogantly inform them that, “The resort will just take back the mortgage” or “You don’t need to pay to get rid of your timeshare,” can be misleading to say the least.

Those on the verge of legally terminating their agreement with a legitimate company can be influenced to change their mind when they’re told, “All exit companies are scams” or “You shouldn’t hire them if they charge upfront fees.” Even owners that have wasted money trying to sell their interval can be encouraged to keep trying by a keyboard warrior lacking substance. In reality, there is no resale market for timeshares. There’s no way around it.

Believing that all resorts have a “take back program” is also untrue. The fact of the matter is, most do not. Even when one does exist, it’s very difficult for owners to qualify. Aside from being forced to pay off the entirety of the mortgage, owners are usually required to cover the anticipated cost of maintenance and assessment fees for the next couple of years. Something usually goes wrong and they remain stuck in perpetuity with additional expenses that range in the thousands.

None of this timeshare advice is credible. While there are ways to work things out with the resort, you will most likely be funneled through a continued sales cycle and encouraged to purchase more to resolve your issue. Even if you’re able to process an equity trade in or interval transfer, it’s highly unlikely that it’ll resolve your underlying complaints. Often times, buyers upgrade into more problems or find themselves stuck in multiple agreements. Although a good portion of exit solutions are scams, not all are out to steal your money. At the end of the day, researching options through credible resources yourself is the best solution.

Refusing to Pay is Bad Timeshare Advice.

Although bias relief tips can prolong the process of actually exiting a timeshare contract, there are more serious ramifications that can result from listening to someone who has no business giving timeshare advice. If you’ve been told you can, “Just stop paying and walk away,” or that, “You can just foreclose on your own and nothing will happen,” guess again. In reality, the timeshare can come back and pursue you for a deficiency whenever they choose to. While the idea of telling the resort to kick rocks may sound good, not many decisions are worse.

An outstanding mortgage balance, interest, late surcharges, legal fees, court filing costs or past due maintenance and assessment fees will add up over time. The resort may not notify you right away, but they know what they’re doing. Just when you think you’re in the clear, they strike. If a judgement is filed, then you’ll have no control over how that money is taken. This gives the timeshare the right to forcefully collect from your bank account, garnish your wages or even enforce liens on personal property to settle dues.

Are you okay with rolling the dice by calling the timeshare’s bluff? Is hoping for the best an ideal strategy when the resort is pursuing you for contractual default remedies? Even though some unhappy buyers ignore potential consequences, you should most definitely take the timeshare’s threats seriously. They have all the ammunition necessary to pursue contractual fees. Walking away due to displeasure isn’t going to win the battle that will transpire. And your choice to base this decision on a keyboard warrior’s comments is even more erratic.

How to Assess Timeshare Advice by Keyboard Warriors:

If you want to make smart timeshare decisions and avoid irrationality, then you have to inspect the sources that influence you. In today’s digital-driven society, anyone and everyone can voice their opinion online as a keyboard warrior. Who you’re paying attention to can not only alter your perception of reality, but create quite a bit of grief. In order to help you with these types of investigations, we’ve come up with three questions you need to ask yourself before acting on the information you read from bold voices online.

Determine where online users are getting their “information” from. The easiest way is to ask them detailed questions about their statements. Without challenging them, ask how they “know” or what type of evidence they have to sustain their claim. In most cases, another uninformed party told them this or they’ve believed in the resort’s misleading promises themselves. Some people simply refuse to admit their purchase was a mistake and expect it to work out. The more people they can influence to join in on their ignorance, the better they feel about it. Others simply read one biased article and now strangely consider themselves an expert on the topic.
Do they have unique professional experience, training or resources that make them suitable to offer advice? If you’re unable to get anywhere with the question method then all you need to do is research the person. If the online profile doesn’t even have accurate credentials (name, title, contact info), then it’s pretty obvious they’re online surfers without much cause. A majority of people spewing out timeshare advice only claim to be experts. Without confirmation, consider their opinion nothing more than that.
Are you able to validate their information from credible/documented sources or is it more bogus information? This is much different than the first suggestion. While many keyboard warriors are unable to substantiate their stance, some are able to supply you with sourced information. But this doesn’t always mean what they’re referring is accurate. Inspecting their provided resources is key to any validation of truth. When you take the time to properly assess the entirety of your argument, you’ll be able to gain clarity on what you can actually pursue as a fractional owner.

Most Online Input About Timeshares is Bogus.

Just because one person says that they walked away from their timeshare without any help or any penalty does not mean they are off the hook. On multiple occasions, we’ve received inquiries for help by owners dealing with 5-10 years of accrued fees. Like aforementioned, they don’t hear anything from the resort for years. Then out of the blue, they receive documentation that demands a lump sum within a certain amount of time, threatening legal action.

Uninformed people voice their opinions all the time online. We even ran into a situation on Facebook where a user was claiming to know the cost of our services. When another timeshare owner inquired about our pricing on one of our posts, our detailed answer was challenged by his errant remark. “Only $5000 up front,” he said. After looking through past correspondence with him, we confirmed we never even supplied him with a quote or had any correspondence with him to discuss our services.

For whatever reason, he felt the need to provide this form of timeshare advice without any rhyme or reason. While we’ve yet to cross paths again, he more than likely received some industry quotes and felt his educated guess was valid. Maybe he didn’t like the idea of paying to cancel a timeshare and wanted to encourage others to be fearful of the expense. Either way, his efforts weren’t necessary nor valuable. While he didn’t deter the unhappy buyer from proceeding, these types of comments play a huge role in the decisions timeshare owners make.

Find a Real Expert for Timeshare Advice.

If you’re interested in “no strings attached” timeshare advice, any of our consultants will be more than happy to address your concerns and aid you in relief. Sometimes, our attorney based service isn’t the best option. Our integrity is important to us and we’d like for you to be able to trust our insight and the guidance we provide. In the end, there’s no better feeling than helping previous and current timeshare owners enjoy their vacations.

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Websites With Phony Timeshare Exit Reviews Sell Consumer Data For Profit

by Jordan Trask | Nov 11, 2019 | Cancellation, Home-Blog, Home-Page-Blog, Testimonial, timeshare presentations, timeshare relief, timeshare scams, Vacation Ownership | 0 comments

The sly tactics of the timeshare industry have been on center stage for quite some time now. From the initial sale all the way to desperate attempts to cancel the purchase, consumers are put through the ringer. These days, it’s pretty difficult to determine what is an actual solution and what’s simply a gimmick for profit. Even most timeshare exit reviews are questionable at best. Since this has had a disadvantageous effect on fractional owners, we felt obligated to help people understand what’s really going on behind the scenes of timeshare travel.

As of late, our company has been contacted on numerous occasions by marketers claiming to possess hot leads for timeshare cancellation. While we’re all for helping unhappy buyers escape the perpetuity of their agreements, we’re not exactly in the market for 3rd party solicitations.

Besides, we’re not even close to being interested in persuading people to get out of timeshare contracts. We prefer to speak to vacation owners that reach out to us directly because of our reputation and satisfaction ratings – not because we’re commissioning stand alone websites for potential clients. But believe it or not, many relief agencies are. Because they don’t have a credible reputation, manipulating consumer perception is their prerogative.

Who’s Behind the Misleading Timeshare Exit Reviews?

A few weeks ago, we discussed some of the ways major hospitality chains are attempting to discredit the cancellation industry as a whole. While we didn’t (and still don’t) agree with their approach to control the narrative, we do acknowledge that a majority of exit operations have bad intentions. Even though warnings of misconduct are justifiable, not all communication is true. The same can be said for timeshare exit reviews.

Similar to the devious mentality of resorts, exit companies are also vying for the attention of disgruntled timeshare buyers. It’s quite the dog eat dog world that we live in right now. Thousands of con artists are savagely waiting for a slice of the timeshare pie and they don’t care how they get it. It gives services like ours a bad wrap. But before we can detail the way some timeshare exit companies go about persuading unhappy owners, we first have to understand who’s behind these inbound efforts.

Experienced Marketers Are Leveraging Leads for Profit.

The internet era is in full swing in 2019. Anyone and everyone can create a website if they want to. At the same time, it doesn’t necessarily mean they know how to. Either way, there are plenty of entrepreneurial people out there that know how to rank online better than most corporations. It’s why freelancers and contractors are more successful now than ever before. Businesses no longer have to hire, train and pay employees to build an online presence for them. All they need is an experienced web developer that understands SEO to perform their vision for them.

While this has been advantageous for self employed marketers, some are beginning to realize they can make a lot more money leveraging the traffic they’re able to generate on their own. Instead of being compensated for task management, they want to be commissioned for hot leads. A majority of marketers don’t care about following an ethical code as long as they’re getting paid and their skillset gives them a level of authority in most industries. Since most exit companies aren’t able to persuade on their own, this becomes extremely valuable to them.

This is where phony websites that claim to be credible come into play. Over the past few years, a handful of domains have been built by SEO teams that have ties to relief agencies. Whether it be for resale or cancellation, they know how to rank for certain keywords and get in front of potential customers. They use terminology that seems credible and claim to know who’s the best at canceling timeshares. But in reality, they’re only interested in your information.

Once you contact them to learn more, they sell your personal data to the highest bidder or the company they have ties to. While you might think you’re getting in touch with someone that can help you get rid of your timeshare, you’re really just entering another sales cycle that adds to the regretful burden of the purchase. You may think we’re simply trying to discredit our competition too, but what happens when you pay to play but remain stuck in perpetuity?

Debunking the Information on Phony Timeshare Sites.

In order to prove to you that the timeshare exit reviews on stand-alone websites are simply a con, we decided to highlight a few web addresses that claim to know the timeshare cancellation realm better than you. Aside from their depiction of VOC being absurd, they also make a number of assertions that are downright ignorant. Fractional owners don’t deserve to be misled down a road that threatens their financial well-being.

First and foremost, you have to understand that design or presentation can be misleading. Like most scams in the timeshare arena, they’re built to seem legitimate. No matter what answer you’re looking for, you can’t assume everything on page one of Google (search results) is valid. If you’re looking for advice online, you have to ask yourself what makes the source credible.

When it comes to websites with phony timeshare exit reviews, you have to understand their intent. When their main goal is to get your information, then don’t you think you should look into the legitimacy of their communication? For the most part, no timeshare owner is the same. There is no possible way they can make the same recommendation for every visitor.

Question the Legitimacy if You’re Unsure.

If it seems like they’re trying to push you towards one solution when they know nothing about your situation, don’t do it. The ploy should be pretty obvious if you’re unable to get specific questions answered about the timeshare exit company they’re recommending. Often times, they’ll simply tell you the company knows how to get rid of timeshares and leave it at that.

Once you’ve become privy to their bias, do yourself a favor and inspect the timeshare exit reviews themselves. Cross-referencing the content on their site will prove to you that much of it is plagiarized or made up.

Website Content isn’t Always Authoritative or Accurate.

For the most part, the companies promoting timeshare exit reviews piece together what they read online. MyTimeshareExitReviews.com basically copied and pasted statements from our website and vaguely assessed our services without much accuracy. While they didn’t actually make any damaging statements, it’s obvious they have no idea what they’re talking about. The (said) owner recently emailed us offering us leads in exchange for commission. He built the site with the sole intention to steal some of the market share for profit.

TimeshareExitCompanies.com is another website with suspect timeshare exit reviews. On multiple occasions, we reached out to them for more information without prevail. No matter who (from our company) spoke to them, they always recommended the same cancellation provider. After challenging the inaccurate statements made about our company and exiting in general, they ceased correspondence.

Further Research on these “Timeshare Exit Reviews.”

If you take the time to actually research these websites, you’ll be able to clearly see the illegitimacy of the information published. Doing so will also help you understand how they’re attempting to persuade unhappy owners in order to amass and sell their private information.

For example, one of these sites claim they were founded in 2016. However, the credentials on the domain registrar clearly state it was created just last year. If you cross reference the details of the timeshare exit reviews themselves, you’ll see the “years in business” for the exit options are inaccurate as well. Even if they stripped this information from somewhere, they should have confirmed their sources were authoritative before publishing it as “factual” insight.

Many faulty exit companies will portray they have been in business longer than they actually have to simply create false credibility. One simply needs to search the entity on the Secretary of State or Corporation Commission websites (for the state where the company claims to do business in) to confirm accuracy. It should be a huge red flag if you’re unable to locate businesses in the state they claim to operate in.

What we found especially troubling is that each platform makes statements regarding escrow amounts with no upfront fees. Just know that there will always be an upfront fee which is normally paid to an unknown “escrow” company (that may or may not be in bed with the same exit company or scam). Do not let the power of the word “escrow” create a sense of immediate comfort in handing over thousands of dollars.

The fact of the matter is, there is no “timeshare exit escrow” company that is currently regulated. So why would websites like these encourage timeshare owners to use a company that offers “escrow” when it’s not advantageous?

The Disservice of Phony Timeshare Websites.

We went ahead and requested the business name of the escrow company for the timeshare exit company these websites are “referring” consumers to (or selling timeshare owner’s data to). We also asked how they base these recommendations. They informed us that they do not have this information. When you think about it, they’re confidently speaking highly of “credible” options but they don’t even know the name of these “safe” solutions. That should most definitely raise an eyebrow or two.

This is why it’s so important that you understand cancellation before getting involved in it. Many buyers view exit solutions negatively because they’re misinformed. Just because a website has “timeshare exit reviews,” it doesn’t mean they’re a reliable source. Even if there was an “escrow” company involved, these websites should be able to explain how they know when the recommended exit company has successfully completed their job. Otherwise, they can’t guarantee your hard earned money will be well spent.

Ask yourself a few questions before buying in. Do they consider a foreclosure (that leaves buyers contending with damaged credit) a successful timeshare cancellation? What rules and regulations are they required to follow? Have you verified this information? Reading and believing may seem logical, but it can be inevitably detrimental. These platforms that present themselves as unbiased “review” websites don’t actually help the thousands of owners in need of relief. They’re simply misleading them further with forged content.

Knowing what some of these claims actually entail can save you an awful lot of heartache. Nearly everything can be debunked on makeshift timeshare sites. One of the timeshare exit reviews we read actually concluded with a 4/5 star rating; even though the CEO was a former VP for an operation that was federally busted for fraud. Another listed relief program that was rated well has both a BBB and consumer report warning. Aside from a sense of liberation, taking the time to look for yourself can save you a lot of time and money.

Be Careful What You Believe in Online.

Listen, there are plenty of people sitting at home in front of their computers looking for easy ways to make money. As regulations continue to evolve online, you need to look into what you’re reading before believing. Doing your own research empowers you to make confident decisions that actually help you escape vacation ownership.

If you’re looking for legitimate timeshare exit reviews, visit the BBB, consumer reports, the FTC, ripoff report and other consumer protection agencies for help. Turning to an opinionated website that was built off a whim is a bad idea. If you’d like to learn more about our ability to cancel timeshare contracts, we’d love to have a non-haggle conversation with you. You can always schedule a free consultation with one of our experts or proceed with a qualification form below.

Should You Sue Timeshare, Join a Class Action Lawsuit or Hire Attorney Backed Solutions?

by Jordan Trask | Nov 4, 2019 | Cancellation, Home-Blog, Home-Page-Blog, Litigation Success, timeshare relief, Travelling, Vacation Ownership | 0 comments

Have you ever bought something because you thought it would drastically improve your quality of life? Have you ever looked back on the decision with regret? Whether a new swimming pool wasn’t a hit or you never use the upgraded mud tires on your 4×4, remorse rarely sets in unless you were persuaded to make the purchase. Especially when the price tag is high. Any product that doesn’t pan out the way it was presented never elicits contentment. It’s why fractional owners immediately want to sue timeshare companies when they don’t get what they paid for.

Nobody cheerfully pays for something that they can’t use in the way they envisioned. A majority of owners never even planned on making a purchase of this magnitude. They were sold on an “affordable” vacation package that conveniently allowed them to travel with family or loved ones every year. When they find out that the actual costs are nearly double, they quickly become angered by a sense of mistrust and deception.

Harness Emotions and Be Smart With Next Actions.

While the desire to sue timeshare companies notably justifiable reaction, we want disgruntled timeshare owners to be smart about their decisions moving forward. Resorts know exactly what they’re doing. They’re normally two steps ahead of you and acting out of emotion will only make matters worse. If you’re ready to take action against the timeshare because you know they’ve lied to you, then you’re going to have to be able to prove it. If you’re not careful, a lack of evidence coupled with an emotional attack can end in the resort suing you.

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The last thing you’ll want to do is open yourself up for further financial burdens. Although complaints by unhappy timeshare buyers are being heard now more than ever before, it doesn’t mean that voicing your disappointment will bring you favor. For more than half a century, timeshare companies have been combatting consumer claims. Unless obvious misconduct has occurred, their ability to squash fraudulency claims is second to none.

We’d be remiss if we didn’t disclose that canceling vacation ownership is tough. No matter which route you take, the resort isn’t going to make it easy on you. If you’ve experienced multiple layers of deceit (3rd party resale or phony exit programs), then it can be difficult to have confidence in your decision. So in order to encourage you to keep fighting for relief, we thought we’d explain the pros and cons of different legal actions. Hopefully you’re able to get a better idea for what it takes to sue timeshare companies successfully.

1. Class Action Lawsuits Against Timeshares

First and foremost, you must understand that you cannot just file a class action lawsuit and be done with it. Multiple parties with similar experiences need to collectively organize their case against the timeshare. Moreover, there are certain specifics to the process that need to be followed before any type of prosecution will consider your claim. Once several plaintiffs have been validated and certified, other possible claimants are notified with the choice to join the class action lawsuit or opt out altogether.

You have a far greater chance of winning when a large number of victims join the litigation efforts. But just like an attempt to sue timeshare companies on your own, the proof needs to be in the pudding. The good news is, when multiple parties have the same complaint, there’s a pretty high chance that someone has some pretty damning evidence. Vague accusations by angry consumers don’t carry much weight. This is why plaintiffs normally work with an attorney to collaborate on and organize the case before filing anything.

Numbers Don’t Always Help Class Action Litigations.

When you use an attorney that specializes in class action lawsuits vs timeshare companies, they tend to provide good feedback before any prosecution begins. Good legal teams won’t require payment until cases are won and most won’t even offer representation if victory isn’t likely. Just know that hiring a lawyer is risky either way. If you don’t win, you’ll be on the hook for payment. While a large class action lawsuit increases your chances, the corresponding legal fees can be outrageously high.

Should You Sue Timeshare via Class Action?

Indictments that are presented effectively rarely ever go to trial. Most timeshare companies prefer to quietly settle proven disputes outside of court in order to avoid negative publicity or any type of admission of guilt. Either way, the decision to sue timeshare companies by means of class action litigation can be favorable when organized properly. The main benefit of a collaborative prosecution is that victims can be relieved of their timeshare contract while receiving monetary compensation for the inconvenience.

The Negatives Can Be Quite Troubling.

At the same time, there are some drawbacks to this legal approach. First of all, class action lawsuits can take a long time to resolve and many underestimate the overall investment. The countless hours required for researching laws to formulate a claim can be grueling. Not to mention the time it takes to allocate and secure an attorney.

If the contract itself isn’t reviewed, then arbitration clauses can hold up litigation efforts. Even cases that make it to court can be unpredictable. Timeshare legal teams will try to exhaust your capital or force you to give up by doing their best to drag out the litigation. In the end, it’s your word against a signed contract. If the timeshare has surveillance of buyers signing the perpetual agreement, then those filing the lawsuit could be in for a big surprise.

2. The Reality of Personal Litigation.

The most difficult element of class action is that everyone’s experience is different. What may be perceived as valuable to you may not be seen the same way to another fractional owner. Moreover, it’s difficult to prove similar misconduct if the promises made by the resort varied. Since these “guarantees” are rarely written down during the closing period, it can be tough for those suing the timeshare to prove the intent behind the sales presentation.

Even though the whole town might have their pitchforks ready for battle, it might be in your best interest to pursue litigation individually. While researching next steps, you might realize you were uniquely defrauded and that the experience was personal to you. Although fractional owners rarely sue timeshare companies, make it to litigation and win, there is a chance you can come out on top. But it’s going to cost you.

When you sue timeshare companies on your own, the main disadvantage tends to surround capital. In most cases, disgruntled owners are already strapped for cash. Hiring a lawyer to represent your case requires a lot of front end costs. You could find yourself in the hole for thousands of dollars before litigation even begins.

Like we’ve mentioned in previous articles, most attorneys have no empathy when billing retainers. Whether you have a chance to win or not, they’re going to get paid for their time. While it may be hard to gauge your chances of winning, a well-documented presentation coupled with a proven timeshare attorney will increase your chances. But it still does not guarantee a winning verdict. At the end of the day, a failed personal litigation can be devastating to a single plaintiff.

3. Relief Via Attorney Backed Services.

Taking legal action against the timeshare company may seem like the right thing to do, but it’s a hit or miss strategy. Even the best attorneys in the world struggle to help fractional owners find restitution. Unless they specialize in litigating timeshare contract sales, it’s always an uphill battle. Hospitality conglomerates are well prepared to fight bland accusations and buyer’s remorse.

In most cases, the only way to walk away from timeshare ownership is to work with a company – equipped with a legal team – that’s already litigated prominent resorts and won. While many timeshare exit services are misleading in themselves, companies like ours have a track record of client satisfaction. We’re not interested in maybe getting you out of your timeshare. We take the time to qualify all applicants in order to cancel fractional ownership for good.

Although the cost of cancellation varies (depending on your loan and the amount paid off), it’s a mere fraction of what personal or class action litigation adds up to be. Instead of putting together a case and covering endless retainers, you could let go of the burden for a one time fee. You’re able to cease communication with the resort and rest easy while your agreement is processed and terminated. You don’t have to worry about conditional fees or being harassed and stressed by your timeshare. You simply let us do what we do best.

For those of you that think you need to sue timeshare companies in order to repay them for what they put you through, we understand. But you don’t have to put yourself through even more turmoil just for a shot at closure. Wasting a lot of time and money – only to still own the timeshare – can be disheartening to say the least. Sometimes we have to look at things rationally in order to pick and choose our battles. When it comes to timeshare travel, optimism can be misleading.

If you’d like to learn more about our exit services, feel free to schedule a free consultation or proceed with the qualification form below.

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The Timeshare Financial Burden is Causing Buyers to Cancel

by Jordan Trask | Oct 28, 2019 | annual costs, Cancellation, Home-Blog, Home-Page-Blog, timeshare relief, timeshare scams, Travelling, Vacation Ownership | 0 comments

For the most part, fractional ownership is one of those major purchase decisions that can be a shot in the dark. Whether potential buyers know nothing about timeshare travel or they are fully aware of the industry’s pitfalls, both are essentially rolling the dice when they don’t thoroughly analyze what they’re signing up for. No matter how or why an owner arrives at the point of regret, the timeshare financial burden is usually the driving force. When maintenance fees, taxes, assessments and interest catches buyers off guard, they quickly realize the expense wasn’t exactly something they could afford.

While it’s easy to blame the consumer for biting off more than they can chew, it’s important to understand how timeshare companies go about positioning their product. Resorts intentionally target those that can’t quite travel to desired locations because of limited incomes. Free gifts, vouchers and travel packages tend to appeal to this audience more. When they’re offered a seemingly low price for an annual trip they never dreamed they could afford, many are willing to rearrange their spending to make it work.

Higher income families aren’t as advantageous for resorts because they’re less likely to conform if timeshare financial concerns arise. People that make more money typically do so by making good decisions. Those living comfortably aren’t going to allow themselves to be at the mercy of the resort if the purchase doesn’t work out. Instead of funneling more into the purchase, they’re more likely to spend their capital on timeshare cancellation services or other methods of relief.

Pitching supposed travel deals to people that have no business making this type of purchase is downright criminal. But it’s the reality of the business. Every year, tens of thousands of consumers anticipate an experience that never transpires. Once they discern that listening to an incentivized salesman was a huge mistake, it’s normally too late. At this point, they’re forced to completely alter their spending just to avoid more fees or worse – like the possibility of foreclosure and judgements for the deficiency.

The Result of Timeshare Financial Hardships.

When people in general are struggling financially, relationships are often affected the most. While it’s easy to assess the physical aspects of a financial crisis, it’s important to remember the mental or emotional trauma that ensues. The guilt from poor financial decisions can creep into confidence levels and lead to assumptions.

When multiple people have to endure the hardship, tension amongst family and friends can easily make matters worse. Stress levels can become magnified and bitterness can settle in if people aren’t dealing with loss appropriately.

Making Sacrifices to Make Timesharing Worthwhile.

When dealing with timeshare financial hardship, buyers ordinarily have to make sacrifices just to cover the unexpected costs of fractional ownership. Sadly, the perpetuity of the agreement regularly reminds them of their mistake. We’ve spoken to hundreds of people desperately looking for help after the timeshare has completely altered their lifestyle. Although the purchase was once seen as an opportunity to get away every year, many realize they can’t even go out anymore.

Restaurants, local events and other forms of entertainment tend to be the first things eliminated due to tight budget restraints. Holidays, birthdays and other special events also become limited when the timeshare financial burden gets out of hand. Some of our clients have sold personal items of value and even taken on second jobs just to revitalize their quality of life. Nobody would sign up for a timeshare if they knew hidden costs and sacrifices were a part of the deal.

Coping With the Financial Burden of a Timeshare.

Although being backed in a corner may actually help some people gain confidence in improving their income levels, it’s rather devastating more often than not. Going from a state of euphoria to painful remorse can be tough to deal with. Especially when you don’t have the tools, social circle and capital to persevere. Even if you’re able to pay for all that the timeshare entails, you subconsciously know that another costly setback can be disastrous.

Financial Scenarios That Call for Timeshare Cancellations.

When dealing with a timeshare financial burden, many people simply aim to survive the entrapment of the purchase. But this leaves them extremely vulnerable when further financial blows occur. While most people avoid spending more money on something they’ve heavily invested in, there’s always a final straw that lands on the camel’s back. It’s kind of a rule of thumb in life. At some point, you just gotta eat your losses and try to move on.

Since we’ve been helping timeshare owners find relief for a while now, we know that this reasoning typically surrounds their inability to comply with the timeshare financial agreement. While they may have been able to keep their head above water for an extended period of time, they reach a point where survival mode just doesn’t make sense anymore. Here are three scenarios that normally point users to a third party cancellation.

1. An Unexpected Income Change.

If you’ve experienced financial hardship before, you know that losing a source of income is the worst possible thing that can happen. While other financial obligations may be willing to work with you to soften the blow, timeshares haven’t been known to show much empathy here. Forbearance, restructured payments or downgrading isn’t an option here. Prominent resorts are firm believers in holding buyers accountable for the price they agreed to.

This can be especially difficult for parents who have mouths to feed or the aging community that lacks the skills required in today’s workforce. One of our retired clients ended up having to go back to work after using up an inheritance and taking out a second mortgage on their house. Another told us she had no choice but to legally cancel when the resort refused to alleviate her timeshare financial burden after she lost her job. It was the only line of credit unwilling to do so.

2. A Poor Understanding of the Cost.

Like we mentioned in the past few articles, the actual cost of the purchase is a lot more than what’s initially presented. Interest rates on contracts tend to mislead buyers tremendously. When they’re unable to refinance the purchase to decrease lender’s fees, the annual cost becomes a lot higher than anticipated. Instead of focusing on how much of the principal balance they’re actually paying, they tend to spend more time trying to decrease their monthly payments.

When owners finally realize the resort isn’t going to provide them with favorable timeshare financial help, they confidently make the decision to legally walk away from the purchase. There’s just no need for them to continue paying for something that they can’t pay off, use or enjoy the way they want to.

3. Sales Tactics are Recognized.

Once fractional owners are able to identify the intent behind the timeshare sales system, they often feel somewhat liberated. Instead of constantly finding themselves frustrated with outcomes and costs, they start to understand how they’re being played. This usually occurs when the purchase is seen for what it is: a liability instead of an asset. Unfortunately, most buyers don’t realize this until they’re facing quite a few timeshare financial burdens.

Another one of our clients reached out to us for help after figuring out the timeshare wasn’t actually offering them solutions. Instead of listening to and addressing their concerns, the resort was up-selling them into further timeshare financial obligations. The major hospitality chain even went as far as ignoring the owner’s cancellation request and charging unknown credit cards without their consent. When the simple purchase accumulated over $100k in charges, they knew a professional exit strategy was their best bet.

Don’t Let Timeshare Financial Burdens Rule Your Life.

Although buying a timeshare property may seem like an opportunity you’ve always wanted to explore, just know that it’s a risky decision. Unless you take the time to fully assess the purchase, you should never get too excited about the possibilities. Far too many people are currently overwhelmed by a timeshare financial burden that could have been easily avoided.

If you feel trapped in fractional ownership, hopelessness doesn’t have to be the result. While we do specialize in getting rid of timeshare contracts, there’s always a chance you can work things out with the resort. Knowing how to approach the situation can make all the difference. To learn more about our attorney based process, you can schedule a free consultation or proceed with our client qualification process below.

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How Timeshare Refinancing Actually Costs Buyers More Money

by Jordan Trask | Oct 21, 2019 | annual costs, Home-Blog, Home-Page-Blog, maintenance fees, timeshare relief, timeshare scams, Travelling, Vacation Ownership | 0 comments

Over the past few weeks, we’ve taken a deep dive into the reality of borrowing money for a timeshare purchase. If you’ve been following along, then you’ve become well aware of just how costly the expense can be. At the same time, the general population knows little about the financial pitfalls of timeshare travel. Even the smallest bit of information can save most from buyer’s remorse. While the unexpected fees, liabilities and lender rates of a mortgaged property can alone be devastating, the burden usually compiles when buyers decide to pursue the peril of timeshare refinancing.

After speaking with thousands of unhappy timeshare owners, we’ve been able to develop a solid understanding of the fractional owner’s perspective. At first glance, many see the purchase as an opportunity to go on vacation for a low monthly cost that fits within their budget. Even when they attend the sales presentation without a single intent to buy, the product intrigues them. After hours of pressure filled sales pitches and distracting incentives, many attendees truly believe they can’t let the opportunity pass them up.

The problem is, when consumers are sold on possibilities instead of realities, they find themselves chasing expectations throughout their tenure as owners. When expectations don’t transpire, they’re forced to cough up more capital to make the expensive decision worth it. Since they’re stuck in a perpetual agreement, they don’t have much choice. You see, the resort doesn’t want them to know companies like ours actually know how to strategically get out of timeshare contracts.

When buyers are at the mercy of the timeshare, it presents a bundle of revenue opportunities for the resort and its partners – most of which are lenders. They could care less when owners continue to make costly mistakes as long as they remain under contract. This tempts buyers to engage in anything that gives them any type of hope for reducing the burden. Unfortunately, a majority of the solutions presented to owners aren’t favorable.

Should I Refinance My Timeshare to Cut Costs?

Most owners are eager to refinance their timeshare because they’ve been battling high interest since making the purchase. Like we’ve mentioned before, timeshare presentations do a great job of misleading potential buyers. Many would have never signed the agreement had the timeshare salesman not told them they could revise their borrowing rate shortly after signing. Once they realize banks don’t offer timeshare refinancing, they tend to exhaust their efforts to bring the interest rates down.

Whether they restructure their financial obligation with the resort or upgrade into a new contract with lower rates, rarely is either option advantageous. This causes owners to continue revisiting the idea of restructuring timeshare loans with third party lenders – even if it entails unsecured lending or secured lending on assets they own. Once owners make a string of poor decisions, all they can do is hope for some sort of financial relief. But what ends up happening is, buyers find themselves in a whole lot of debt without ideal resources to help them.

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So if you’re thinking about timeshare refinancing to shave a little off of your monthly payments, we encourage you to rethink your strategy. Especially if you’re close to paying off the mortgage. While financial hardship might be staring you in the face, you have to remember that the timeshare prefers that you’re at their mercy. Acting out of desperation can be costly. Telling them that you’re considering bankruptcy or threatening to walk away only gives them ammunition. They’d rather talk you into temporary bandaids that enhance their profits over time.

Timeshare refinancing is the type of solution that fits right into their “MO.” When you think about it, it’s pretty discouraging to know the resort wouldn’t help you out with a lower interest rate because you couldn’t prove the salesman told you so – but they’re willing to do what it takes to keep you under contract once the purchase completely overwhelms your bank account. But you’ve come this far and there’s no need to keep giving your money away. Restructuring once you’ve paid a whole lot of interest is a bad move.

The Reality of Restructuring Timeshare Mortgages.

In case we weren’t clear before, refinancing a timeshare mortgage is not a solution to financial hardship. If you look up the definition of solution, it means to solve something. If you’re completely in over your head with a weekly interval or point membership, then restructuring payments will only further your problems by adding even more lender fees. In other words, you’re essentially solving nothing. While you may have some strong reasoning to support your stance, allow us to paint the picture for you.

Say you have a loan with 5 years left on the repayment schedule. If you’ve been paying $359 per month for 5 years already, then you’re probably pretty close to putting a dent in the principal balance (close to $6K of the original $20K loan). Since a typical 10-year term that’s paid within this time frame normally carries $23K in interest, about $15K should be taken care of. While this may be eye opening to most of you, it’s the hard reality of borrowing money with an enormous borrower’s rate. Any large purchase with similar financing (nearly 18% on average) would turn out the same way.

When timeshare owners allow the resort to sway them into restructuring a timeshare mortgage, they’re basically enabling the money scheme to continue. When they show they’re desperation, timeshare companies have been known to forcefully upgrade them into new contracts and extend the loan back out to 120 months (10 years). Although the “result” is a more “affordable” monthly payment, the buyer now has to cover additional principal. Most aren’t aware of this or they wouldn’t agree – similar to their initial decision to buy.

Timeshare refinancing resets the buyer’s obligation to pay lender fees, even if 65% of the interest on the original loan has been paid. On top of that, 80% of the new loan’s payments will go towards the reset interest, not the remaining principal balance. Imagine paying tens of thousands for nothing, only to start all over again and extend the burden. If you want to lower your monthly costs then you’re better off cutting back in other areas of your life. As you can see, restructuring your loan with the resort only gives them more of your hard-earned money (in the form of interest) with zero added value to your vacations.

Another Example of Poorly Restructured Timeshare Loan.

One of the best ways to explain this is to compare the decision to that of a refinanced car loan that has almost been paid off. Negative equity in the car is created when you pay additional interest on a depreciating vehicle that you can’t even afford anymore. While the overall cost may seem fitting, you have to consider maintaining the car, out-of-warranty repair costs, upgrades, speeding tickets, insurance rates and even gas. At the end of the day, the borrowed amount of the car loan itself isn’t exactly the problem.

The clear takeaway here is that the best option for the car owner is to give the car back and cease payments altogether; instead of trying to make it work. But it’s not that simple for timeshare owners. Even donating the purchase isn’t always fruitful. Timeshare cancellation services might not be ideal either if you’re worried about additional costs. At the same time, fractional owners know that dragging out unwanted payments just to avoid another purchase else to get rid of the timeshare for you?

Don’t Let Refinanced Timeshare Mortgages Handicap You.

The more consumers allow themselves to be trapped in longer mortgage terms and further contractual agreements, the harder it’s going to be for them to find peace and joy. We’ve helped hundreds of buyers who didn’t even know secondary timeshare loans or resort branded credit cards (backed by Comenity Bank and Barclays) were in their name. The deceitfulness behind the sale of a timeshare can lead you to believe you’re making smart decisions, but you’re really digging yourself into a deep hole. Timeshare refinancing only digs the hole deeper.

If you feel like you’re being forced to look into personalized lines of credit, unsecured loans or HELOC secured loans against your home to create a rewarding experience, something is wrong. Don’t let the mistake of the purchase cloud your judgement. Take advantage of your consumer rights while thoroughly analyzing every method of payment you involve yourself in. In most cases, there was something presented to you along the way that provides you with leverage to escape the clutches of your agreement.

You have your whole life ahead of you. There are plenty of better things you can buy with the money saved from eliminating fractional ownership. If the idea of timeshare refinancing is your only hope then we’d love a chance to explain all the options available to you. While it can be hard to trust any timeshare solution these days, we take pride in making sure you qualify for cancellation before we even discuss our services. If you’d like to learn more, simply schedule a free consultation or proceed with the qualification form below.

How Timeshare Financing Alters the Actual Cost of the Purchase.

by Jordan Trask | Oct 14, 2019 | annual costs, Home-Blog, Home-Page-Blog, maintenance fees, timeshare presentations, timeshare relief, Travelling, Vacation Ownership | 0 comments

When people stumble into a timeshare presentation uninformed, the idea of the purchase can be riveting. But like many travel deals, there’s more that meets the eye. Once buyer’s realize it’s nothing like they imagined, they realize fractional ownership is actually a liability. Although the lackluster amenities and over-hyped possibilities are often disappointing, the cost itself is what inevitably knocks the wind out of consumers. So, in order to help consumers avoid grief, we decided to talk a little bit about timeshare financing and all it entails.

Borrowing money to buy something expensive that you know little about it extremely risky. At the same time, beating yourself up for swallowing the hook, line and sinker doesn’t do you any good. You’re not alone as thousands of people regret their decision. The problem is, unlike other expensive purchases, you can’t just submit a refund request or resell the property to recoup your losses. Aside from the mythical resale market, the timeshare system is set up to trap buyers in perpetuity. In order to escape, you’re going to have to jump through some hoops and put forth some serious effort.

So before we get deep into the topic of timeshare financing, ask yourself if continued payments is something that’s really worth your while. No matter what you do, understand that you’re not going to be able to negotiate a lower cost obligation with the resort. If you’ve already surpassed the rescission period, you’re pretty much locked in for a while.

Uninformed Signs Ups Can be Extremely Costly.

At some point in time, you’re going to have to realize that whatever you were promised during the timeshare presentation is questionable at best. To the timeshare, it never happened if you can’t prove it. You’ve signed an agreement and they’re going to do everything in their power to collect the payments you already acknowledged – whether you agree or not.

While you may not see the picture clearly yet, this blog series will most definitely open your eyes. Financing a timeshare purchase isn’t as straightforward as you think. Thousands of people have attempted to revise repayment options or use lines of credit to cover unexpected costs, only to find themselves in a financial pit of despair. One bad decision can be devastating.

So before you make a drastic decision to become an owner or relieve yourself of the burden, do everything you can to understand the purchase first. In case you’re unsure of where to start, here are some facts about timeshare financing that’ll make you think twice about your next move.

No Lender Will Mortgage Your Timeshare Property.

Most people attending timeshare presentations have no intent on making the purchase. They’re usually only interested in the free gifts (travel packages, tickets or other forms of entertainment) that lured them in. But timeshare companies know how to get their attention and usually drag out the pitch until the consumer finally agrees to try it out. The primary goal of the pitch is to sell the experience while avoiding disclosure.

Although numerous techniques are used to persuade attendees, the way salesmen counter concerns is what eventually closes the buyer. Crafty, premeditated answers normally eliminate the initial drawbacks people have once they’ve reviewed the agreement. One of the most common concerns are the high interest rates that expand the cost of the timeshare significantly – and rightfully so. Most people are relieved to hear a salesman tell them they can easily find another lender to mortgage the timeshare. It’s too bad this just simply isn’t true.

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We’ve spoken to hundreds of owners that exhausted their quest for lower interest rates. Many of them tell us they never would have signed the contract if they would have known new timeshare financing wasn’t going to be available. Instead of temporarily enduring high interest rates, they were forced to cope with long term payments they couldn’t afford. If you know anything about mortgages, this can really add up over time.

What Does Timeshare Financing Really Cost Buyers?

On average, fractional ownership comes with a 17.9% interest rate and can be upwards of 20% when your credit score is mediocre. If you thought something like 5% was obtainable, then you’re talking about a big difference in payments. While the average cost of a weekly interval is roughly $20k, plenty of people spend more. If you happen to buy a $60k timeshare, then being locked in a high interest rate can be devastating over a 120 month term (average).

Keep in mind that the interest for timeshare financed loans is always front-loaded. Like most large purchases, when you’re making minimum payments, very little is applied to your principal balance. Since most buyers sign up for affordable repayment options (because they can’t really afford it), they end up paying more than double their original principal amount. Like we’ve mentioned before, $20k timeshares are actually $40k liabilities because of interest. This total doesn’t even include annual fees, taxes and other travel expenses required to vacation at the condo.

By the time buyers see the cold reality of the expense, there’s not much they can do to eliminate their obligation to pay the resort. Many aren’t sure how to approach the burden of timeshare financing when the resort is only interested in pointing to the contract they signed. Like we’ve described on many occasions, finding relief is a burden in itself. Since many owners are told timeshare cancellation isn’t even an option, they’re often at the mercy of the resort.

One of the ways timeshares continue handicapping buyers is by persuading them to use in-house “solutions” for relief. The problem is, owners are never actually relieved of the obligation. Even before they can transfer the purchase to another owner, the mortgage balance needs to be paid off. Even when you pay the contract in full, it doesn’t guarantee you’ll find a willing party. In fact, it’s highly uncommon that you will.

What’s even more troubling is that owners usually involve themselves in further timeshare financing just to satisfy their mortgage balance. It can be quite demoralizing to borrow even more with the hope of garnering a return, only to realize you’re unable to get out of the contract. Most buyers don’t know that a timeshare depreciates faster than any other purchase. If they knew it was worthless, then they probably would have never said “yes” – let alone pay more for nothing.

Undisclosed 3rd Party Timeshare Financing.

When it comes to financing a deeded timeshare or point memberships, the loan terms and repayment options aren’t the only borrowed elements worth noting. A majority of new owners don’t even know that additional lines of credit were opened under their name on the day of the signing. The reason they’re oblivious to this transaction is because the timeshare does not hold this finance note. It’s typically included in the paperwork as a conditional offer by a 3rd party.

For the most part, these undisclosed forms of timeshare financing are usually in the form of credit cards through Barclays or Comenity Bank. Without your actual consent, the timeshare company utilizes the unsecured line of credit for down payments as well as monthly and annual auto-debits. As you can probably guess, the borrowing rate for these compounding interest lines of credit aren’t low either. It’s highly unfavorable to pay off borrowed money with borrowed money.

When consumers aren’t conscious of the actual amounts their spending because fees are being paid without their knowledge, things can spiral out of control quickly. Many buyers don’t even know they’re going to be billed $1,200 for maintenance fees every year. So you can imagine their reaction when they receive an unknown credit card statement for costs they didn’t even know existed.

Sadly, far too many timeshare owners are forced to eat the costs in order to avoid penalty. Their contract essentially holds them hostage here. But because so many people could never really afford the $20k purchase to begin with, they can’t even pay the cards off. They have no choice but to continue using these 3rd party lines of credit to make payments. Especially when special assessment fees catch them off guard.

Before timeshare owners know it, they’re drowning in debt due to something they can’t even use the way they envisioned. It’s hard to look at timeshare financing as a whole and argue that the resort and it’s sales teams don’t know buyers are set up for failure. If you have cash on hand, they know you’re forced to use it. If you don’t, then you’re at the mercy of the resort. Either way, it’s a win for the timeshare industry and another reason why profits continue to climb.

Get Out of Timeshare Financing for Good with VOC.

If you haven’t noticed, timeshare travel isn’t exactly the affordable escape it’s said to be. While the baseline cost of the purchase can be appealing, the conditional expenses and add ons are what really set people back financially. Before even considering fractional ownership, you need to understand what you’re getting yourself into.

You can’t treat a timeshare like a used car that you bought and resold for a few hundred dollars less after you’ve driven it for a while. It’s not even like financing a new car and selling it for the depreciated value a few months later. While you may be able to own those mistakes and stomach their losses, a weekly interval can leave you with nothing to show but a lot of debt.

If you or someone you know is burdened by timeshare financing, there’s no need to continue digging a deeper hole. While the resort wants you to believe terminating your agreement isn’t feasible, we’re here to tell you it most certainly is. You just have to decide which is more worth it: canceling the contract or trying to keep up with payments at the expense of your quality of life. To learn more about our attorney based process, you can always schedule a free consultation or proceed with our qualification form below.

« Older Entries

Online Timeshare Advice by Keyboard Warriors Isn’t Usually Valid

Keyboard Warriors Can Be Very Persuasive.

What Kind of Timeshare Advice Can You Expect?

Inaccurate Input Regarding Timeshare Relief.

Refusing to Pay is Bad Timeshare Advice.

How to Assess Timeshare Advice by Keyboard Warriors:

Most Online Input About Timeshares is Bogus.

Find a Real Expert for Timeshare Advice.

Websites With Phony Timeshare Exit Reviews Sell Consumer Data For Profit

Who’s Behind the Misleading Timeshare Exit Reviews?

Experienced Marketers Are Leveraging Leads for Profit.

Debunking the Information on Phony Timeshare Sites.

Question the Legitimacy if You’re Unsure.

Website Content isn’t Always Authoritative or Accurate.

Further Research on these “Timeshare Exit Reviews.”

The Disservice of Phony Timeshare Websites.

Be Careful What You Believe in Online.

Should You Sue Timeshare, Join a Class Action Lawsuit or Hire Attorney Backed Solutions?

Harness Emotions and Be Smart With Next Actions.

1. Class Action Lawsuits Against Timeshares

Numbers Don’t Always Help Class Action Litigations.

Should You Sue Timeshare via Class Action?

The Negatives Can Be Quite Troubling.

2. The Reality of Personal Litigation.

3. Relief Via Attorney Backed Services.

The Timeshare Financial Burden is Causing Buyers to Cancel

The Result of Timeshare Financial Hardships.

Making Sacrifices to Make Timesharing Worthwhile.

Coping With the Financial Burden of a Timeshare.

Financial Scenarios That Call for Timeshare Cancellations.

1. An Unexpected Income Change.

2. A Poor Understanding of the Cost.

3. Sales Tactics are Recognized.

Don’t Let Timeshare Financial Burdens Rule Your Life.

How Timeshare Refinancing Actually Costs Buyers More Money

Should I Refinance My Timeshare to Cut Costs?

The Reality of Restructuring Timeshare Mortgages.

Another Example of Poorly Restructured Timeshare Loan.

Don’t Let Refinanced Timeshare Mortgages Handicap You.

How Timeshare Financing Alters the Actual Cost of the Purchase.

Uninformed Signs Ups Can be Extremely Costly.

No Lender Will Mortgage Your Timeshare Property.

What Does Timeshare Financing Really Cost Buyers?

Undisclosed 3rd Party Timeshare Financing.

Get Out of Timeshare Financing for Good with VOC.

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