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TMC is operating under a court order that bars them from foreclosing on delinquent owners, among many other restrictions. We understand that the club continues to send threatening letters to owners who have not paid maintenance fees, but they have no authority to act against an owner (other than preventing reservations) until the AG's investigation concludes and the court order is modified. The issue of credit is always very personal, but it only becomes relevant if you plan to apply for a mortgage or car loan, or equivalent, in the near future. Many owners have unilaterally decided to stop paying maintenance fees because of their inability to secure reservations.