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I think the main message being put forth here is honest and open communication. You can't get blood from a stone and sometimes there is simply no money for things you've made a prior commitment to. Cars get reposesed, homes get foreclosed on, ship happens. Think of where a timeshare is on the hierarchy of needs. Comes a point of taking care of your family, your kids, your home, if a choice has to made,timeshare will surely get cut loose. This forum is full of people who have made mistakes. Made a mistake buying, got suckered into an upfront fee, everyday there is a new story. When confronted with a debt and a stressful situation, many people withdraw. Tell the bill collectors tomorrow, next week, next month, just trying to push off the inevitable. Sadly with huge MF fees that only go in one direction and the initial purchase, foreclosure is the only way out for some. Call them irresponsible, call them living beyond their means, call it what you want, again, stuff happens. Many are willing to take a hit to their credit record just to dig themselves out of a hole. They're willing to pay 10% on their next car loan just to rid themselves of this albatross. All that being said, what is being advocated here is communication. Like going to a creditor before/instead of declaring bankruptcy. They stand up and listen because at this point you are calling the shots. They're faced with getting nothing, so they listen and will often work something out. Resorts pay a lot of money in collection fees; if it is your intent absolutely not to pay, best to be open with them. Maybe they can change terms, stop late fees, suggest alternatives, whatever. Maybe they'll save money in invoking foreclosure. Again, it could be in their best interest too. You're right, resorts have heard it all, as have most creditors. They can, within certain means, push for their money, but when there is no money, what then? Best you know your rights, be honest and up front with your dealings. There are WAY too many people who have got suckered in one way or another with time shares, even the most wiley of veterans on here will admit to mistakes. "My first TS was from the developer..." This is an industry that often preys on the week, they sell you a dream....once sold, they, many of the same people who sold you the dream, will relieve you of a "nightmare." This is no coincidence, people who bought on emotion are the same people who will pay up front fees to rid themselves of the same, again, based on emotion. It's refreshing to know what your rights are and go into battle with some ammunition.