NEED TO RETURN TIMESHARE

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Original Message:

Re: NEED TO RETURN TIMESHARE (by Faith M.):

Hey, I'm doing this very thing. YES, you can give it back, but you still owe the loan. This will still save me $500/year in maintenance dues. A lawyer told me that a default on the loan is less harmful to my credit score than bankruptcy. I don't have any other debt, so I am considering sacrificing my credit score and putting up with collectors for a while (but if you threaten to report them for calling when you asked them not to, they shut up and put it in writing). I am truly low income now, so I can't afford credit, anyway. Have not decided, yet, but DO just call them and tell them it is a hardship. NO ding to credit.