Original Message:
Re: Re: My timeshare is paid in full, but I just don't want it anymore (by KC):
I believe that the 7 years period begins upon the filing of a negative report (i.e., NOT from the original date of default). It sounds to me like your resort debt was sold off to a collection agency (which gets a percentage of whatever they can harass you into paying). It is likely that this new, hungry collection agency initiated the more recent bad debt report. I'm not sure what you can really do about this if the debt is valid. The debt is obviously for unpaid annual maintenance fees on the ownership that, by your own account, was never successfully transferred to a new owner. If the resort never foreclosed on your ownership after you stopped paying your fees, then the debt may very well still be entirely valid (and growing), but if a foreclosure occurred, that debt is gone and ancient history now. It might be worth a call to the resort to inquire further, if only to ensure that the newly appeared collection agency is even a legitimate entity in the first place.
Certainly not a welcome development for you all these years later; I wish you luck.