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Tracey75 No our time share is / was not paid off They do not have to be only if you donate to charity and What I read charity is hard to go buy and get a tax write off at the end of the year We had two time shares that were rolled into one we had bought in Hawaii and Branson they rolled those two into one in Utah Our first payment was due in January of this year Only payment made was a maintenance fee payment in December of 2015