Original Message:
Re: WHERE CAN WE GO TO GET FREE LEGAL ADVICE ON DUMPING TIMESHARES? (by R P.):
It's up to the HOA whether or not they will take a deed back. If they refused then it is still yours and you will continue to be billed for yearly maintenance fees .... if you refuse to pay it will affect your credit score which that score is used for many things such as borrowing money, finding a job (they check your credit score), insurance costs, buying a home etc.
Since you say you have no proof the transfer occurred (lost transfer papers) then you're at the mercy of the resort as they have it in their records that you own it. Since you haven't paid maintenance fees in many years this will not just go away.