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Well it has now been over several years since I have made any payments on my Westin Cancun timeshare and there has not been any negative consequences to me not paying my every other year hoa dues. Not sure if the Westin turned me over to a collections agency but my credit score has not gone down since not paying my dues. I tell you one thing, I'm thankful that I don't have to pay that $750 every other year now. Best decision I have ever made concerning timeshares, to stop making those hoa dues payments on that aweful Mexican Westin Timeshare!