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Wyndham is not going to BUY BACK your time share unless you agree to buy an even more expensive timeshare owing I would guess a minimum of an additional $12,000-$20,000. Although they will spin the numbers and make it seem like your payments will be less, they will be more. If you are having real financial difficulties, they may agree to a to accept a deed back, if you have paid off the mortgage and only owe the monthly mf's. The may still require a $300-$500 settlement fee to do this. Most reputable brokers charge a minimum of $1500-$2500 commission after the timeshare sells. If you own less than 500,000 points at Bonnet Creek I can't imagine it being worth the expense of using a broker. Bonnet Creek is a popular resort and the value is generally above $0; so as long as the mortgage is paid off you should be able to sell by listing on Redweek and other low cost and free sites. If you still owe on the unit you will need to pay it off before you can sell.