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Jayjay-Thanks for the response and apologies for my comment. Yes, it does appear that Westgate will give WDIL's in most cases of non-payment of the loan, but not without a fight. Usually they use their own in-house collection agency (ICA) first, but when this fails they will offer a WDIL (with a negotiable fee attached of typically $250+). It usually takes about 12-18 months of non-payment and coleections harassment before this happens. Part of the reason they use this approach is due to the way their loans are structured - very high interest rates using money from third parties - not a conventional mortgage and not from the banks. I guess for this reason they choose not to report payment history (either good or bad) to the credit agencies. Since PH in Las Vegas has been sold by WG to Hilton, Hilton is apparently proceding in a similar manner.