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I sent an online inquiry to Wyndham letting them know I can no longer afford this timeshare, plus we will rarely get to use it. I told them I want to cancel. They responded back today with the contact for Ovation. I have sent them an online inquiry and will follow up with a phone call tomorrow. I paid $3k down payment using their 6-month no interest line of credit. I paid that line of credit off within the 6 month time frame. Now I owe just over $16,000 but by the time I make all the monthly payments for 10 years, I will have paid $36,000! That's highway robbery. Not to mention, I put "N/A" for my income on the application yet somehow I still qualified for the loan. It might have been stupid on my part to go ahead with the loan knowing my financial situation but they also have an obligation not to grant anyone a loan that does not qualify.