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Re: Pleeeese someone help (by R P.):

Doesn't chapter 13 release you from all your debts or is that chapter 7? If not, in your case I would just let the resort foreclose on it. I don't usually give this type of advice, but in extreme cases such as yours when you've explained your situation (chapter 13 bankruptcy) to the resort, your timeshare is completely paid for and you offered it back to the resort free of charge, I don't see that you have any choice but to let it go into foreclosure. However, you have to remember that resorts have heard it ALL (excuses for nonpayment of maintenance fees) so perhaps if you sent them some proof of your situation (divorce/bankruptcy) they would reconsider.

Also, depending on the resort, location and it's popularity (supply and demand) perhaps you could sell it for what you owe in maintenance fees or give it away with the understanding that the buyer would have to pay the back maintenance fees.

Resales typically sell for 1/4 to 1/3 of what was paid the developer, so be aware of that fact, unless you own at a very high end resort (Marriott, Westin, Four Seasons, Hyatt, Disney etc).

Whatever you do, do not let an UPFRONT FEE RESALE COMPANY talk you into signing up with them. They're scams as has been evidenced all over these forums and other timeshare forums on the internet.