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Is it easier to have the company take it back if it's fully paid off? We owe nothing but get 8,000 points every two years. We pay $650 in fees every year. We are losing money to get 1 one every two years for $1300 and be limited to which resort/week, etc. This is a Bluegreen timeshare. I will actually pay closing cost, new fews, or whatever, up to $3000, if I can just be done with it. I do NOT trust these cancellation companies either. Maybe it's time to suck it up and apply some customer service skills and business acumen to Bluegreen. I just don't know what I have to hold as leverage against them? I really don't want the credit hit.