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You're very lucky if foreclosure is "painless" ... (by R P.):

justinp53 wrote:

If I did not have a deeded interest or were the member of a "vacation club" so that a judicial foreclosure would not be necessary, what would the appropriate action be then?

There are so many vacations clubs out there that one answer might not fit all .... I would access their webpage to see what action you might take or if you signed a contract you need to read it.