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Fact or fiction? You can easily PROVE which one... (by Christine K.):

I was one of the fortunate ones to get money back after credit card dispute. I discovered that the credit card company was very helpful and I actually had almost a year to work out the situation because of the duration of the contract with the timeshare scams. As always I will say never pay anything up front. If the scam co is making money off of the interest ( they often say that) then just send me completed documents and I will have a title co here look it over. That's what I tell them now and surprise no one has sent me ready to go docs.