Get out of Westgate Resorts

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Original Message:

stopped paying Westgate - will it affect me applying for Parents Plus College loans for my kids (by E.R.O.):

I stopped paying Westgate for three months now and they now placed our account in collection.

Will they attempt to take us to court?

Will it ruin my credit? And end up not getting approved for Parents Plus Loans (college) for my kids?

Please advise. Thank You