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Just unpaid maintenance fee. Reading the thread I saw several similar cases but still receives threatening email from WestGate about foreclosure and report to credit bureaus. The other thread on TUG below only counted if it foreclosure shows up in credit report or not, but didn't mention the start date. I just figured if start date is always a couple of years in the past, there is even less to concern. https://tugbbs.com/forums/threads/2020-timeshare-default-credit-report-collection-tracking.304138/ Thanks