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[Q=johni116] Not quite true Mark. Wyndham, Westgate, and Diamond all have programs to take back timeshare contracts if the mortgage is paid in full, and maintenance fees and assessments are up to date. Wyndham does not charge a fee, but the other 2 do. These programs are not permanent, so action should be sooner rather than later. Contacting the developer would be the first step.[/Q] Ah, but it IS true. I was answering her question concerning what would happen to her credit rating were she to stop paying maintenance fees. Meantime, I'm very well aware of Ovation. Just booked our last year's worth of "free" Limited Edition points.