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We have been recently offered by the resort sales at PB Sunset/Montecristo to convert from the fractional ownership in MC to the shared use/timeshare arrangement which does away with the mandatory maintenance fee for 99 yrs and converts to points and maintenance fee only when used plus 5 yr refurbishment fee. Is this a scam or what? Can they go after our estate after our death if we don't convert and we the fractional ownership deed passes to our heirs?