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Collection agencies... (by KC):

jairoc5 wrote:

"almost never gets reported" I can't take any chances. There was a time where a collection agency did attempt to collect, however, the fee I speak of came from an entity or department associated with the resort.

It is not at all clear to me whether you are talking about unpaid maintenance fees, an unpaid outstanding loan --- or maybe both.

In any event, a resort can report non-payment for either one to credit agencies, as they may see fit. The simple fact remains that it is very rare that they ever bother to do so just for unpaid maintenance fees (expressed idle threats notwithstanding) but will virtually always do so for defaulting on a loan. Ultimately, you have to decide for yourself the course of action with which you are personally comfortable.