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[Q=provl] What if an owner communicates in certified writing that they cannot maintain the timeshare to all those involved several time letting them know that as of a certain date, they will no longer recieve maint fees payment. Should this be considered default by the timeshare co. And they report it to credit authorities, isn't it possible to dispute their claim by providing the credit bureau with all the certified copies of advance notice. Couldn't one claim that due process was initiated with no results. I wonder?[/Q] You can (and should) [b]first[/b] vigorously pursue attempting a "deedback" to your resort HOA. You can cite your financial circumstances, but the decision whether or not to accept a deedback is solely theirs, regardless of your personal situation. In order to even be considered for "deedback" acceptance at [b]any[/b] resort, there must be no outstanding loan balance and no unpaid maintenance fees. Even if fully paid up however, some resorts will still not accept deedbacks, but you won't know about yours until and unless you specifically [b]ask[/b]. To answer your question about "communicating your intentions" (using certified mail matters not one bit, by the way, no matter how many times sent). Certified mail documents [b]delivery[/b] of your letter(s) --- nothing more. Any such "certified mail" correspondence has [b]no[/b] legal meaning or impact or significance whatsoever in the way you suggest. You have a contractual obligation and you will be in default when you cease paying on a loan or stop paying maintenance fees, with or without sending certified mail "notification(s) of your intentions to stop paying" by some particular date. Using certified mail to express your intent to stop paying by some identified future date does [b]not[/b] in [b]any[/b] way impact your legal obligations and certainly would not constitute "initiating due process with no results". Respectfully, that is wishful thinking and flawed reasoning from a legal perspective, although you might hope and wish it was otherwise. If you default on a loan, there will very likely be negative credit report consequences, which will remain in place for 7 years thereafter. However, if there is no loan default involved but you simply stop paying your maintenance fees, there will of course ultimately be a foreclosure on the ownership, but most likely no negative credit report consequences.