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You DO NOT need to pay 9 months in advance. My contract begins in September and because I wanted to book some rooms for my next use year I did need to pay. You would need to pay by the date your year begins or prior if you wanted to reserve rooms after that date. There are more than enough rooms to use and I'm guessing that's because they were forced to stop renting it to non owners. Owners should have no problem using the timeshare right now. I was able to make changes for dates this Summer (which has never been the case in the past). If you have an RCI account you can also deposit your weeks there to exchange for other places. And you can get 2-3 or more weeks for the value of TMC points. We are all feeling the rising costs of these increases which is not right, but part of that problem is all the owners in current years not paying. Now if more and more continue to default on their fees that leaves the rest of us to pick up the cost which is completely wrong in my opinion.