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	<title>Comments for Timeshare Vacations Rentals Exchange Help Selling Timeshares</title>
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	<description>Timeshare Help Resource</description>
	<lastBuildDate>Thu, 23 May 2013 05:33:13 +0000</lastBuildDate>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by jeryl</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8739</link>
		<dc:creator>jeryl</dc:creator>
		<pubDate>Thu, 23 May 2013 05:33:13 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8739</guid>
		<description>Yes got the same offer end of last month with a similar discount. Sent them a letter back stating deed in lieu of foreclosure is all I will take. still waiting for a response...</description>
		<content:encoded><![CDATA[<p>Yes got the same offer end of last month with a similar discount. Sent them a letter back stating deed in lieu of foreclosure is all I will take. still waiting for a response&#8230;</p>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by penelopew</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8737</link>
		<dc:creator>penelopew</dc:creator>
		<pubDate>Thu, 23 May 2013 01:40:24 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8737</guid>
		<description>We are trying to buy a home in Vegas but lost it because they reported us 30 day late and we wernt so they send us letters saying it was there mistack now what do we do stop paying so we don&#039;t buy a home soon</description>
		<content:encoded><![CDATA[<p>We are trying to buy a home in Vegas but lost it because they reported us 30 day late and we wernt so they send us letters saying it was there mistack now what do we do stop paying so we don&#8217;t buy a home soon</p>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by robert</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8736</link>
		<dc:creator>robert</dc:creator>
		<pubDate>Wed, 22 May 2013 20:41:53 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8736</guid>
		<description>Good for you, some people fall for that nonsense and pay up. Why would you pay and get nothing out of it?  The reason they can discount it to whatever they want is because they know the timeshare has no value. Also if you pay they realize you are a sucker and keep going after you for more fees.  I wouldn&#039;t be surprised if in the fine print it says you are just settling with the debt collectors and still owe a lot more.</description>
		<content:encoded><![CDATA[<p>Good for you, some people fall for that nonsense and pay up. Why would you pay and get nothing out of it?  The reason they can discount it to whatever they want is because they know the timeshare has no value. Also if you pay they realize you are a sucker and keep going after you for more fees.  I wouldn&#8217;t be surprised if in the fine print it says you are just settling with the debt collectors and still owe a lot more.</p>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by Shannon</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8735</link>
		<dc:creator>Shannon</dc:creator>
		<pubDate>Wed, 22 May 2013 19:55:42 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8735</guid>
		<description>got the Same letter yesterday only my reduction was not that large. And new payment plans and new interest rate.</description>
		<content:encoded><![CDATA[<p>got the Same letter yesterday only my reduction was not that large. And new payment plans and new interest rate.</p>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by Shannon</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8734</link>
		<dc:creator>Shannon</dc:creator>
		<pubDate>Wed, 22 May 2013 19:53:36 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8734</guid>
		<description>Stopped paying my timeshare in January of 2012, we get the calls, we get the Late notice payments. It has been turned over to the resorts collection dept. It is on my credit report as under collection. Yesterday we got a letter saying our mortgage was being taken OUT of the Collection Dept and put into the NEW mortgage dept. They had offered us a new/lower interest rate, new/lower payment amount, extended the loan 12 more months, will remove the &quot;negative collection from our credit report, and offered to forgive the past due payments.</description>
		<content:encoded><![CDATA[<p>Stopped paying my timeshare in January of 2012, we get the calls, we get the Late notice payments. It has been turned over to the resorts collection dept. It is on my credit report as under collection. Yesterday we got a letter saying our mortgage was being taken OUT of the Collection Dept and put into the NEW mortgage dept. They had offered us a new/lower interest rate, new/lower payment amount, extended the loan 12 more months, will remove the &#8220;negative collection from our credit report, and offered to forgive the past due payments.</p>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by bill</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8733</link>
		<dc:creator>bill</dc:creator>
		<pubDate>Wed, 22 May 2013 19:16:44 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8733</guid>
		<description>make sure to look up the financial statute of limitations for your state.  If you are past the statute, they cannot sue you for a debt you do not acknowledge.  And if the try, you need to use the defense that the debt is past the statue of limitations.</description>
		<content:encoded><![CDATA[<p>make sure to look up the financial statute of limitations for your state.  If you are past the statute, they cannot sue you for a debt you do not acknowledge.  And if the try, you need to use the defense that the debt is past the statue of limitations.</p>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by M.Solis</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8732</link>
		<dc:creator>M.Solis</dc:creator>
		<pubDate>Wed, 22 May 2013 14:50:34 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8732</guid>
		<description>UPDATE: 
I wanted to give you an update in case anyone finds themselves in my situation. I ignored all the collection agency calls and received a letter this week from them giving me a &quot;one time offer&quot; to waive most of the debt if I make a payment for $2000.00 by the end of the month! They are giving me a discount of more than $10,000!!!! This is so ridiculous!! I have never heard of any serious company settling for so little money. I don&#039;t know why I didn&#039;t stop paying them a long time ago! How can you take anyone serious like this! Well they sure ain&#039;t getting any money from me now!</description>
		<content:encoded><![CDATA[<p>UPDATE:<br />
I wanted to give you an update in case anyone finds themselves in my situation. I ignored all the collection agency calls and received a letter this week from them giving me a &#8220;one time offer&#8221; to waive most of the debt if I make a payment for $2000.00 by the end of the month! They are giving me a discount of more than $10,000!!!! This is so ridiculous!! I have never heard of any serious company settling for so little money. I don&#8217;t know why I didn&#8217;t stop paying them a long time ago! How can you take anyone serious like this! Well they sure ain&#8217;t getting any money from me now!</p>
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		<title>Comment on Westgate Timeshare &#8211; Experience of a Former Owner by joanna</title>
		<link>http://rcivip.com/westgate-timeshare-experience-of-a-former-owner/comment-page-2/#comment-8729</link>
		<dc:creator>joanna</dc:creator>
		<pubDate>Tue, 21 May 2013 18:16:44 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/?p=683#comment-8729</guid>
		<description>Thank you for your advice...I just got off the phone with Brittany from Pelligrino Law and she is going to take care of everything for $2K and she said that I might be entitled to a refund as well...I will post later to let you know how it goes...it will take from 4 to 12 months she told me.  I had a free consultation and she gave me lots of advice.  Let me know if anyone wants her phone number...or you can look it up online like I did...her office is based in Largo, Florida.  Thanks once again for all your advice, I feel that a whol weight has been lifted off me.</description>
		<content:encoded><![CDATA[<p>Thank you for your advice&#8230;I just got off the phone with Brittany from Pelligrino Law and she is going to take care of everything for $2K and she said that I might be entitled to a refund as well&#8230;I will post later to let you know how it goes&#8230;it will take from 4 to 12 months she told me.  I had a free consultation and she gave me lots of advice.  Let me know if anyone wants her phone number&#8230;or you can look it up online like I did&#8230;her office is based in Largo, Florida.  Thanks once again for all your advice, I feel that a whol weight has been lifted off me.</p>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by BaldSpot</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8728</link>
		<dc:creator>BaldSpot</dc:creator>
		<pubDate>Tue, 21 May 2013 07:51:16 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8728</guid>
		<description>If you have sufficient proof you were scammed, lied to, etc., you might be able to force their hand and demand they take it back or even give you a refund. If they are in breach of contract, for example, if you cannot get a reservation, then they are breaking the law and you can take action. I think in most cases, they will want to avoid court and offer you something.

If that is not an option, then consider selling your timeshare to someone who will soon pass away or to someone who will be returning to his home in China with no plans of maintaining residency in the USA.  

Let&#039;s say you know Mr. Smith, who has terminal cancer and is not married - or his wife has already passed away.  He short on cash.  You can pay him $500 to sign off the paperwork and take over your timeshare.  You can even make him a promise, on paper, that you will pay the timeshare maintenance fees until he passes away.  Once he is gone, timeshare jerks will try to make his heirs assume the TS, but they can&#039;t do that without their agreement.  Of course, Mr. Smith will have already warned his kids to reject the timeshare.  Just make sure Mr. Smith lists his address at a regular home, not at a nursing home. That would definitely kill the deal. Keep in mind the TS will probably run a credit report on Mr. Smith, so he has to look good in that department.  On the other hand, if they give you any argument, Mr. Smith can simply say he is buying the TS as a gift for his children to use. 

Or you might visit your local community college or university and post something on the bulletin board indicating a foreign student who is planning to return &quot;home&quot; can make a few bucks by &quot;buying&quot; your TS.  This student needs to have an address and current employment of some kind that would not make the TS people nervous about transferring the TS to him or her. 

There is one more avenue - I have a friend who is Chinese.  He told me lots of foreigners buy timeshares so they can have an address in the US which makes it easier for them to enter the country.  I forgot the details, but maybe you could sell your TS to someone in a foreign country.  

I would like to hear what the rest of you thinks about this idea. I even thought about making it a business - if I could figure out how to proceed, I could charge people $500 to sell their TS and actually sell it, unlike the scammers.  Wouldn&#039;t that be fun. Get people out of their timeshares, make money, and screw the TS&#039;s at the same time.</description>
		<content:encoded><![CDATA[<p>If you have sufficient proof you were scammed, lied to, etc., you might be able to force their hand and demand they take it back or even give you a refund. If they are in breach of contract, for example, if you cannot get a reservation, then they are breaking the law and you can take action. I think in most cases, they will want to avoid court and offer you something.</p>
<p>If that is not an option, then consider selling your timeshare to someone who will soon pass away or to someone who will be returning to his home in China with no plans of maintaining residency in the USA.  </p>
<p>Let&#8217;s say you know Mr. Smith, who has terminal cancer and is not married &#8211; or his wife has already passed away.  He short on cash.  You can pay him $500 to sign off the paperwork and take over your timeshare.  You can even make him a promise, on paper, that you will pay the timeshare maintenance fees until he passes away.  Once he is gone, timeshare jerks will try to make his heirs assume the TS, but they can&#8217;t do that without their agreement.  Of course, Mr. Smith will have already warned his kids to reject the timeshare.  Just make sure Mr. Smith lists his address at a regular home, not at a nursing home. That would definitely kill the deal. Keep in mind the TS will probably run a credit report on Mr. Smith, so he has to look good in that department.  On the other hand, if they give you any argument, Mr. Smith can simply say he is buying the TS as a gift for his children to use. </p>
<p>Or you might visit your local community college or university and post something on the bulletin board indicating a foreign student who is planning to return &#8220;home&#8221; can make a few bucks by &#8220;buying&#8221; your TS.  This student needs to have an address and current employment of some kind that would not make the TS people nervous about transferring the TS to him or her. </p>
<p>There is one more avenue &#8211; I have a friend who is Chinese.  He told me lots of foreigners buy timeshares so they can have an address in the US which makes it easier for them to enter the country.  I forgot the details, but maybe you could sell your TS to someone in a foreign country.  </p>
<p>I would like to hear what the rest of you thinks about this idea. I even thought about making it a business &#8211; if I could figure out how to proceed, I could charge people $500 to sell their TS and actually sell it, unlike the scammers.  Wouldn&#8217;t that be fun. Get people out of their timeshares, make money, and screw the TS&#8217;s at the same time.</p>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by BaldSpot</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8727</link>
		<dc:creator>BaldSpot</dc:creator>
		<pubDate>Tue, 21 May 2013 07:26:44 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8727</guid>
		<description>Ripoff Report dot com has 35 complaints against Tahiti Village: 

ripoffreport.com/reports/directory/tahiti-village-consolidated

Robert Paisola appears to be a consumer advocate but also has some very painful claims made against him. I would review information on his websites but I would not do business with him. 

The big story about Tahiti Village can be found here:

pissedconsumer.com/reviews-by-company/consolidated-resorts/consolidated-resorts-scam-20090116144243.html

Good luck!</description>
		<content:encoded><![CDATA[<p>Ripoff Report dot com has 35 complaints against Tahiti Village: </p>
<p>ripoffreport.com/reports/directory/tahiti-village-consolidated</p>
<p>Robert Paisola appears to be a consumer advocate but also has some very painful claims made against him. I would review information on his websites but I would not do business with him. </p>
<p>The big story about Tahiti Village can be found here:</p>
<p>pissedconsumer.com/reviews-by-company/consolidated-resorts/consolidated-resorts-scam-20090116144243.html</p>
<p>Good luck!</p>
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		<title>Comment on Timeshare Foreclosures and Your Credit Score by Jim</title>
		<link>http://rcivip.com/timeshare-foreclosures-and-your-credit-score/comment-page-1/#comment-8726</link>
		<dc:creator>Jim</dc:creator>
		<pubDate>Tue, 21 May 2013 00:43:58 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/timeshare-foreclosures-and-your-credit-score/#comment-8726</guid>
		<description>Kevin - my timeshare is paid in full, not in foreclosure, fees are current, but I cannot get rid of and have never used it.  I&#039;d be happy to unload it and pay all of the costs involved.  How can I get rid of it?</description>
		<content:encoded><![CDATA[<p>Kevin &#8211; my timeshare is paid in full, not in foreclosure, fees are current, but I cannot get rid of and have never used it.  I&#8217;d be happy to unload it and pay all of the costs involved.  How can I get rid of it?</p>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by JeryL</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8725</link>
		<dc:creator>JeryL</dc:creator>
		<pubDate>Mon, 20 May 2013 23:32:26 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8725</guid>
		<description>Hi BaldSpot: I googled that phrase and lots of links came up including stuff from Trip Advisor and a guy named Robert Paisola. Can you please post the link to the page that you are referring to, where one can apply for the full refund on the account? Does that include maintenance fees or just the timeshare loan?

Thanks in advance.</description>
		<content:encoded><![CDATA[<p>Hi BaldSpot: I googled that phrase and lots of links came up including stuff from Trip Advisor and a guy named Robert Paisola. Can you please post the link to the page that you are referring to, where one can apply for the full refund on the account? Does that include maintenance fees or just the timeshare loan?</p>
<p>Thanks in advance.</p>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by Joe R</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8724</link>
		<dc:creator>Joe R</dc:creator>
		<pubDate>Mon, 20 May 2013 22:26:43 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8724</guid>
		<description>Has anyone deal with Tree Top Villas</description>
		<content:encoded><![CDATA[<p>Has anyone deal with Tree Top Villas</p>
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		<title>Comment on Tree Top Villas Timeshare Experience by Jose Robles</title>
		<link>http://rcivip.com/tree-top-villas-timeshare-experience/comment-page-1/#comment-8723</link>
		<dc:creator>Jose Robles</dc:creator>
		<pubDate>Mon, 20 May 2013 22:23:34 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/?p=1134#comment-8723</guid>
		<description>Im in the same with Tree Top i stop paying maintence fees</description>
		<content:encoded><![CDATA[<p>Im in the same with Tree Top i stop paying maintence fees</p>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by BaldSpot</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8722</link>
		<dc:creator>BaldSpot</dc:creator>
		<pubDate>Mon, 20 May 2013 03:41:55 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8722</guid>
		<description>Please Google &quot;Tahiti Village scam&quot;.  You might learn that you can apply for a full refund.  You should not be afraid of the collection agency ruining your credit. Consolidate Resorts is afraid you might figure things out and sue them for breach of contract and/or fraudulently selling non-existing property and have to give you a full refund.  So you can go either way - tell the collection agency to obtain a deed in lieu of foreclosure or have a lawyer write a letter asking for a full refund. 

Just be very careful about hiring a lawyer - remember there are many scammers out there who promise to sell your TS. There might also be scammers posing as lawyers who promises to get rid of your TS.</description>
		<content:encoded><![CDATA[<p>Please Google &#8220;Tahiti Village scam&#8221;.  You might learn that you can apply for a full refund.  You should not be afraid of the collection agency ruining your credit. Consolidate Resorts is afraid you might figure things out and sue them for breach of contract and/or fraudulently selling non-existing property and have to give you a full refund.  So you can go either way &#8211; tell the collection agency to obtain a deed in lieu of foreclosure or have a lawyer write a letter asking for a full refund. </p>
<p>Just be very careful about hiring a lawyer &#8211; remember there are many scammers out there who promise to sell your TS. There might also be scammers posing as lawyers who promises to get rid of your TS.</p>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by bill</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8721</link>
		<dc:creator>bill</dc:creator>
		<pubDate>Mon, 20 May 2013 00:45:42 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8721</guid>
		<description>they can call you over and over, and they can file a collections notice on your credit report.  that&#039;s about it.  the TS company can foreclose.  the collections notice stays on your credit report for seven years from the first missed payment</description>
		<content:encoded><![CDATA[<p>they can call you over and over, and they can file a collections notice on your credit report.  that&#8217;s about it.  the TS company can foreclose.  the collections notice stays on your credit report for seven years from the first missed payment</p>
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		<title>Comment on Florida Timeshare Foreclosure Law by Rita</title>
		<link>http://rcivip.com/florida-timeshare-foreclosure-law/comment-page-1/#comment-8720</link>
		<dc:creator>Rita</dc:creator>
		<pubDate>Sun, 19 May 2013 23:47:12 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/?p=569#comment-8720</guid>
		<description>Does any one know what the names of the GrandView Las Vegas, Nevada owners association,inc are?  I just want to talk to one of them,to find out what we can or can not do to save our timeshare. 

Has or did this bill pass in Florida? I am from California. I do have a timeshare in FL. 

Thanks for any ones help, it is greatly appreciated
Rita frm CA</description>
		<content:encoded><![CDATA[<p>Does any one know what the names of the GrandView Las Vegas, Nevada owners association,inc are?  I just want to talk to one of them,to find out what we can or can not do to save our timeshare. </p>
<p>Has or did this bill pass in Florida? I am from California. I do have a timeshare in FL. </p>
<p>Thanks for any ones help, it is greatly appreciated<br />
Rita frm CA</p>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by robert</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8719</link>
		<dc:creator>robert</dc:creator>
		<pubDate>Sun, 19 May 2013 23:47:03 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8719</guid>
		<description>Stop worrying about what won&#039;t happen.  They can&#039;t do anything but send it to collections and then foreclose or issue a deed in lieu.  Just forget about it, the worst has happened which is a little blip on your credit report.  If they ever try to go after anyone&#039;s bank account ot property the backlash and publicity would shut the whole Timeshare scam down.</description>
		<content:encoded><![CDATA[<p>Stop worrying about what won&#8217;t happen.  They can&#8217;t do anything but send it to collections and then foreclose or issue a deed in lieu.  Just forget about it, the worst has happened which is a little blip on your credit report.  If they ever try to go after anyone&#8217;s bank account ot property the backlash and publicity would shut the whole Timeshare scam down.</p>
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		<title>Comment on Westgate Timeshare &#8211; Experience of a Former Owner by joanna</title>
		<link>http://rcivip.com/westgate-timeshare-experience-of-a-former-owner/comment-page-2/#comment-8718</link>
		<dc:creator>joanna</dc:creator>
		<pubDate>Sun, 19 May 2013 20:28:38 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/?p=683#comment-8718</guid>
		<description>Westgate sent me the hardship form and I collected all my bills and payslip from work and faxed everything as per their request.  Saturday I received a letter from INternational Collection Agency saying that if I don&#039;t notify them within 30 days, that they will obtain a copy of a judgement against me.  They told me not to contact Westgate, but, I am still dealing with Westgate...any suggestions as what I should do and can they really obtain a copy of a judgement against me and what does that mean?  Who are Pelligino Law?  Really appreciate everyone&#039;s comments as it makes me feel that I am not alone in this matter.</description>
		<content:encoded><![CDATA[<p>Westgate sent me the hardship form and I collected all my bills and payslip from work and faxed everything as per their request.  Saturday I received a letter from INternational Collection Agency saying that if I don&#8217;t notify them within 30 days, that they will obtain a copy of a judgement against me.  They told me not to contact Westgate, but, I am still dealing with Westgate&#8230;any suggestions as what I should do and can they really obtain a copy of a judgement against me and what does that mean?  Who are Pelligino Law?  Really appreciate everyone&#8217;s comments as it makes me feel that I am not alone in this matter.</p>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by P. Ebbs</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8717</link>
		<dc:creator>P. Ebbs</dc:creator>
		<pubDate>Sun, 19 May 2013 19:22:01 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8717</guid>
		<description>B., I am in a very similar predicament with the exact same location (Thunder Mountain).  I divorced in 1998 and the divorce papers stipulated that the TS would be sold and the profit (haha) split, and my ex kept all the paperwork.  Never heard from her again, until a few years ago.  

Recently the TS showed up on my immaculate credit report as having gone to Meridian Collections to the tune of $8700.  Can anyone here clearly define what happens if I let it go into foreclosure?  I have no way to negotiate with Meridian because her name is also on the title (should I ask for power of attorney?).  I want to be rid of this, and I can take the hit on my credit report.  But how far can they go legally to collect?</description>
		<content:encoded><![CDATA[<p>B., I am in a very similar predicament with the exact same location (Thunder Mountain).  I divorced in 1998 and the divorce papers stipulated that the TS would be sold and the profit (haha) split, and my ex kept all the paperwork.  Never heard from her again, until a few years ago.  </p>
<p>Recently the TS showed up on my immaculate credit report as having gone to Meridian Collections to the tune of $8700.  Can anyone here clearly define what happens if I let it go into foreclosure?  I have no way to negotiate with Meridian because her name is also on the title (should I ask for power of attorney?).  I want to be rid of this, and I can take the hit on my credit report.  But how far can they go legally to collect?</p>
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		<title>Comment on Westgate Timeshare &#8211; Experience of a Former Owner by doc ott</title>
		<link>http://rcivip.com/westgate-timeshare-experience-of-a-former-owner/comment-page-2/#comment-8716</link>
		<dc:creator>doc ott</dc:creator>
		<pubDate>Sat, 18 May 2013 22:47:13 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/?p=683#comment-8716</guid>
		<description>Usually, YES you will need a lawyer like Pelligino Law because many of the timeshare companies will continue to LIE. To get it legally straight you will find the legal fee well spent. They do everything.
But, most of all, STOP PAYING. They can&#039;t do a thing but threaten you.</description>
		<content:encoded><![CDATA[<p>Usually, YES you will need a lawyer like Pelligino Law because many of the timeshare companies will continue to LIE. To get it legally straight you will find the legal fee well spent. They do everything.<br />
But, most of all, STOP PAYING. They can&#8217;t do a thing but threaten you.</p>
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		<title>Comment on Westgate Timeshare &#8211; Experience of a Former Owner by doc ott</title>
		<link>http://rcivip.com/westgate-timeshare-experience-of-a-former-owner/comment-page-2/#comment-8715</link>
		<dc:creator>doc ott</dc:creator>
		<pubDate>Sat, 18 May 2013 22:42:37 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/?p=683#comment-8715</guid>
		<description>Oh, yeah. You will get phone calls and mail from many other companies but you will have to ignore them ... for about a year.
You can always just change your phone number to make it easier.</description>
		<content:encoded><![CDATA[<p>Oh, yeah. You will get phone calls and mail from many other companies but you will have to ignore them &#8230; for about a year.<br />
You can always just change your phone number to make it easier.</p>
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		<title>Comment on Westgate Timeshare &#8211; Experience of a Former Owner by doc ott</title>
		<link>http://rcivip.com/westgate-timeshare-experience-of-a-former-owner/comment-page-2/#comment-8714</link>
		<dc:creator>doc ott</dc:creator>
		<pubDate>Sat, 18 May 2013 22:40:29 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/?p=683#comment-8714</guid>
		<description>If you REALLY want to get rid of them contact &quot;a lady justice&quot; (Pelligrino Law), give them $2k and let them do the work. I got out of my million point Wyndham deed and now use all the thousands I SAVED to book on REDWEEK.
As for as the &quot;credit hit&quot; simply contact the attorneys again and/or go to:
http://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports
Most creditors, when they encounter a credit blemish from a timeshare, will usually ignore it. I&#039;ve had two of them do this for me.</description>
		<content:encoded><![CDATA[<p>If you REALLY want to get rid of them contact &#8220;a lady justice&#8221; (Pelligrino Law), give them $2k and let them do the work. I got out of my million point Wyndham deed and now use all the thousands I SAVED to book on REDWEEK.<br />
As for as the &#8220;credit hit&#8221; simply contact the attorneys again and/or go to:<br />
<a href="http://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports" rel="nofollow">http://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports</a><br />
Most creditors, when they encounter a credit blemish from a timeshare, will usually ignore it. I&#8217;ve had two of them do this for me.</p>
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		<title>Comment on Westgate Timeshare &#8211; Experience of a Former Owner by doc ott</title>
		<link>http://rcivip.com/westgate-timeshare-experience-of-a-former-owner/comment-page-2/#comment-8713</link>
		<dc:creator>doc ott</dc:creator>
		<pubDate>Sat, 18 May 2013 22:33:00 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/?p=683#comment-8713</guid>
		<description>so what if &quot;it&#039;s on (your) credit?&quot; They hit mine too but I contacted my attorney who had it expunged,as it were. Also, when applying for credit and a timeshare shows up the creditor will usually understand and just ignore it.</description>
		<content:encoded><![CDATA[<p>so what if &#8220;it&#8217;s on (your) credit?&#8221; They hit mine too but I contacted my attorney who had it expunged,as it were. Also, when applying for credit and a timeshare shows up the creditor will usually understand and just ignore it.</p>
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		<title>Comment on Westgate Timeshare &#8211; Experience of a Former Owner by doc ott</title>
		<link>http://rcivip.com/westgate-timeshare-experience-of-a-former-owner/comment-page-2/#comment-8712</link>
		<dc:creator>doc ott</dc:creator>
		<pubDate>Sat, 18 May 2013 22:30:27 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/?p=683#comment-8712</guid>
		<description>There are a lot of people out there with a lot of answers.
The best one is &quot;stop paying.&quot; And don&#039;t respond to anything. They can&#039;t do a thing.
I had over a million points with WYNDHAM and calculated that I was simply paying TOO MUCH. Period.
I contacted aladyjustice.com (Pelligrino Law) , gave them $2k and within a few months Wyndham offered me a DIL (Deed in Lieu of forclosure). I signed it and never paid another dime. THey went away. I ultimately saved thousands. Let the attorney do it.</description>
		<content:encoded><![CDATA[<p>There are a lot of people out there with a lot of answers.<br />
The best one is &#8220;stop paying.&#8221; And don&#8217;t respond to anything. They can&#8217;t do a thing.<br />
I had over a million points with WYNDHAM and calculated that I was simply paying TOO MUCH. Period.<br />
I contacted aladyjustice.com (Pelligrino Law) , gave them $2k and within a few months Wyndham offered me a DIL (Deed in Lieu of forclosure). I signed it and never paid another dime. THey went away. I ultimately saved thousands. Let the attorney do it.</p>
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		<title>Comment on Grandview Las Vegas &#8211; Is It Worth It? by Nela</title>
		<link>http://rcivip.com/grandview-las-vegas-is-it-worth-it/comment-page-2/#comment-8711</link>
		<dc:creator>Nela</dc:creator>
		<pubDate>Sat, 18 May 2013 19:46:46 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/grandview-las-vegas-is-it-worth-it/#comment-8711</guid>
		<description>I hope you didnt pay thr full price! If you bought a timeshare &amp; you still have questions,you didnt inform yourself about everything b/f buying. If you paid more than 6-9 grand(one bdrm) or 12-15 grand(two bdrm),you got screwed. Sorry,but,its the truth.</description>
		<content:encoded><![CDATA[<p>I hope you didnt pay thr full price! If you bought a timeshare &amp; you still have questions,you didnt inform yourself about everything b/f buying. If you paid more than 6-9 grand(one bdrm) or 12-15 grand(two bdrm),you got screwed. Sorry,but,its the truth.</p>
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		<title>Comment on Grandview Las Vegas &#8211; Is It Worth It? by Nela</title>
		<link>http://rcivip.com/grandview-las-vegas-is-it-worth-it/comment-page-2/#comment-8710</link>
		<dc:creator>Nela</dc:creator>
		<pubDate>Sat, 18 May 2013 19:41:54 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/grandview-las-vegas-is-it-worth-it/#comment-8710</guid>
		<description>Soo...Bought one of those three days/two nights pkgs for 99 bux for that Grandview timeshare thing. To begin,was that pkg worth it? NO. By the time I paid stuff,extra to keep pkg,yr almost ended. Paid tax &amp; Luxor/timeshare fee. Wasnt worth the 99 bux. I wudda paid the same of less w/o it. The timeshare tour was a pain,three hours,walking everywer,and thr techniques to get you to buy. They started at 36K/6K down &amp; monthly payments for 60 mos,plus taxes,plus maintenance fees,plus other stuff! They went down to 8900,cause,I kept saying no. I asked others,prices wer all over the frigging place. NOT WORTH IT!! If you want a good timeshare,do your homework! You can get one at a reasonable price w/o thr crap. Lotsa resale timeshares available. People selling them. Again. Dont waste your time,money &amp; aggrevation doing this. THR ARE NO FREEBIES!! YOU DONT GET A DEAL DOING THIS!!</description>
		<content:encoded><![CDATA[<p>Soo&#8230;Bought one of those three days/two nights pkgs for 99 bux for that Grandview timeshare thing. To begin,was that pkg worth it? NO. By the time I paid stuff,extra to keep pkg,yr almost ended. Paid tax &amp; Luxor/timeshare fee. Wasnt worth the 99 bux. I wudda paid the same of less w/o it. The timeshare tour was a pain,three hours,walking everywer,and thr techniques to get you to buy. They started at 36K/6K down &amp; monthly payments for 60 mos,plus taxes,plus maintenance fees,plus other stuff! They went down to 8900,cause,I kept saying no. I asked others,prices wer all over the frigging place. NOT WORTH IT!! If you want a good timeshare,do your homework! You can get one at a reasonable price w/o thr crap. Lotsa resale timeshares available. People selling them. Again. Dont waste your time,money &amp; aggrevation doing this. THR ARE NO FREEBIES!! YOU DONT GET A DEAL DOING THIS!!</p>
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		<title>Comment on Westgate Timeshare &#8211; Experience of a Former Owner by Janet</title>
		<link>http://rcivip.com/westgate-timeshare-experience-of-a-former-owner/comment-page-2/#comment-8708</link>
		<dc:creator>Janet</dc:creator>
		<pubDate>Sat, 18 May 2013 03:19:58 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/?p=683#comment-8708</guid>
		<description>I have filed complaints with several Central Florida agencies because I did not discover the Florida 10 day cooling off period until  I arrived home and was outside the 10 day rescission period to cancel. The BBB contacted Westgate who say we WERE notified of this as it is written on the Purchase and Sale Contract which we signed.  We asked the sales agents and notary public, what is the worst case scenario if we sign  these documents and then change our minds.  Not once was the right to cancel mentioned.  Their answer was, we have not had that question before while they continued with their sales pitch about the advantages of being an owner in a 5 star vacation condo.  

The body which regulates  what Florida Timeshares can and cannot do, says  there has been no violation of Florida law as the law does not state that a buyer must be advised orally, it only stipulates that the 10 day cancellation clause must be written in &quot;conspicuous&quot;  type (which my dictionary defines as attracting attention through being unusual or remarkable).  Written in upper case on page 15 of the legal documents hardly fits the description of &quot;conspicuous&quot;.   

The Westgate Corporate Office called me April 15 and said, we signed the contract and this rescission clause is written just above our signatures,  so because we signed the contract is admission we were made aware of the recission clause. Westgate said we were bound by the  contract, we cannot cancel,  and they will not make our contract null and void as I  requested.  They said it was no different than if we had signed a contract for furniture or other.   Can you imagine?  Comparing buying a condo to buying furniture, a car or similar.  

Florida law protects timeshare shysters  but Florida laws need to change to protect one of their most valuable resources, tourists such as ourselves who bring much revenue to the Tourism industry in Florida.   There are rules, but there are also exceptions to the rules has been my experience throughout life.  

This whole Westgate experience has left a very bitter taste in my mouth....yes, I should have walked out the minute I got there OR stayed there all night to read the 30 page legal documents.  

In the page of the legal documents with the Do you understand where the NP check yes or no for you, as she asks the questions, , a separate numbered statement should read:  Do you understand that you cannot cancel 10 calendar days from the date of signing this contract.   Yes.      No

Florida Law needs to be changed.  Hoodwinked</description>
		<content:encoded><![CDATA[<p>I have filed complaints with several Central Florida agencies because I did not discover the Florida 10 day cooling off period until  I arrived home and was outside the 10 day rescission period to cancel. The BBB contacted Westgate who say we WERE notified of this as it is written on the Purchase and Sale Contract which we signed.  We asked the sales agents and notary public, what is the worst case scenario if we sign  these documents and then change our minds.  Not once was the right to cancel mentioned.  Their answer was, we have not had that question before while they continued with their sales pitch about the advantages of being an owner in a 5 star vacation condo.  </p>
<p>The body which regulates  what Florida Timeshares can and cannot do, says  there has been no violation of Florida law as the law does not state that a buyer must be advised orally, it only stipulates that the 10 day cancellation clause must be written in &#8220;conspicuous&#8221;  type (which my dictionary defines as attracting attention through being unusual or remarkable).  Written in upper case on page 15 of the legal documents hardly fits the description of &#8220;conspicuous&#8221;.   </p>
<p>The Westgate Corporate Office called me April 15 and said, we signed the contract and this rescission clause is written just above our signatures,  so because we signed the contract is admission we were made aware of the recission clause. Westgate said we were bound by the  contract, we cannot cancel,  and they will not make our contract null and void as I  requested.  They said it was no different than if we had signed a contract for furniture or other.   Can you imagine?  Comparing buying a condo to buying furniture, a car or similar.  </p>
<p>Florida law protects timeshare shysters  but Florida laws need to change to protect one of their most valuable resources, tourists such as ourselves who bring much revenue to the Tourism industry in Florida.   There are rules, but there are also exceptions to the rules has been my experience throughout life.  </p>
<p>This whole Westgate experience has left a very bitter taste in my mouth&#8230;.yes, I should have walked out the minute I got there OR stayed there all night to read the 30 page legal documents.  </p>
<p>In the page of the legal documents with the Do you understand where the NP check yes or no for you, as she asks the questions, , a separate numbered statement should read:  Do you understand that you cannot cancel 10 calendar days from the date of signing this contract.   Yes.      No</p>
<p>Florida Law needs to be changed.  Hoodwinked</p>
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		<title>Comment on Westgate Timeshare &#8211; Experience of a Former Owner by Patricia</title>
		<link>http://rcivip.com/westgate-timeshare-experience-of-a-former-owner/comment-page-2/#comment-8706</link>
		<dc:creator>Patricia</dc:creator>
		<pubDate>Thu, 16 May 2013 18:22:28 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/?p=683#comment-8706</guid>
		<description>I have a timeshare also and I am tired of them as well...my main concern was that it would go on my credit report.  It would be a damn shame if they did report it to a credit bureau considering they gave you a loan under the table to begin with.  With the money I am paying monthly I can do something better with it then pay Westgate.  This was one of the worst decisions I ever made.</description>
		<content:encoded><![CDATA[<p>I have a timeshare also and I am tired of them as well&#8230;my main concern was that it would go on my credit report.  It would be a damn shame if they did report it to a credit bureau considering they gave you a loan under the table to begin with.  With the money I am paying monthly I can do something better with it then pay Westgate.  This was one of the worst decisions I ever made.</p>
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		<title>Comment on What Happens if I Stop Paying My Timeshare? by Maz</title>
		<link>http://rcivip.com/what-happens-if-i-stop-paying-my-timeshare/comment-page-17/#comment-8696</link>
		<dc:creator>Maz</dc:creator>
		<pubDate>Tue, 14 May 2013 21:16:40 +0000</pubDate>
		<guid isPermaLink="false">http://rcivip.com/2008/what-happens-if-i-stop-paying-my-timeshare/#comment-8696</guid>
		<description>I agree, people should be made more aware f the pitfalls of taking on a TS.

What about Facebook/Twitter?</description>
		<content:encoded><![CDATA[<p>I agree, people should be made more aware f the pitfalls of taking on a TS.</p>
<p>What about Facebook/Twitter?</p>
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