Real Client Stories
Read how we've helped real families escape the burden of unwanted timeshare contracts and regain their financial freedom.
The Retirement Income Deception
Mr. and Mrs. Tanaka from Oahu, Hawaii were approaching retirement after decades of dedicated service—Mr. Tanaka at the USPS and Mrs. Tanaka as a teacher. Looking to secure their financial future, they attended a presentation where they were promised a lucrative investment opportunity.
The sales representatives convinced them to purchase approximately $350,000 in timeshare points, assuring them they could easily rent out their timeshare like an Airbnb or VRBO property to generate substantial retirement income. This promise of rental income was the primary reason for their significant purchase.
Reality proved drastically different. After attempting to rent their timeshare, they discovered the rental market was oversaturated, booking restrictions were severe, and the promised income never materialized. Facing a staggering $3,500 monthly mortgage payment, both Mr. and Mrs. Tanaka were forced to return to work during what should have been their retirement years.
Our Solution:
After consulting with NW Advisors Group, we documented the clear misrepresentations about rental income potential and the failure to disclose critical booking limitations. We built a comprehensive case demonstrating how the sales tactics violated consumer protection laws. Through persistent negotiation with the developer's legal team, we successfully secured a complete cancellation of their mortgage.
"We were working harder in our 70s than we did in our 50s just to pay for a timeshare we couldn't use or rent. NW Advisors Group gave us our retirement back. We're finally able to enjoy our golden years without that crushing financial burden." — Mr. & Mrs. Tanaka
The Johnsons' Medical Crisis
Mary and John Johnson purchased a timeshare in Orlando in 1998, excited about annual family vacations. In 2007, Mary was diagnosed with stage 3 breast cancer. The medical bills piled up, and their $1,200 annual maintenance fee became an impossible burden.
Despite explaining their situation to the resort, they were told their contract was "perpetual" with no exit options. After three years of struggling and watching fees increase to $1,800 annually, they contacted NW Advisors Group.
Our Solution:
We identified multiple contract violations and negotiated directly with the resort's legal department. Within 7 months, the Johnsons were completely released from their contract with all future obligations terminated.
The Retirement Nightmare
Robert and Susan Parker purchased two timeshare weeks in Las Vegas in 2003. When they retired in 2020, their fixed income couldn't accommodate the $2,400 annual maintenance fees that had more than doubled since purchase.
They tried the resort's "surrender program" but were denied because their units were "too desirable." Multiple resale attempts yielded no buyers, even when listing for just $1.
Our Solution:
We discovered the sales team had misrepresented the investment potential and resale market. We compiled evidence of these misrepresentations and negotiated a complete contract termination with no additional fees.
The Inheritance Burden
After her parents passed away in 2022, Jennifer Wilson inherited their timeshare in Myrtle Beach. With her own mortgage and two children in college, she couldn't afford the $1,950 annual maintenance fees and $3,500 in special assessments.
The resort told her she was legally obligated to accept the inheritance and continue payments. Collection calls began when she missed a payment, threatening her credit score.
Our Solution:
We challenged the legal basis for forcing inheritance of contractual obligations and identified irregularities in how the deed transfer was processed. After presenting our case, the resort agreed to rescind the transfer and terminate all obligations.
The Upgrade Trap
Michael and Lisa Thompson owned a timeshare in Hawaii since 2010. In 2019, they attended an "owner update" where they were pressured into upgrading to a "premium" package that would supposedly give them better booking options and lower fees.
Instead, they found themselves with $28,000 in new debt and annual fees that increased from $1,300 to $2,700. The promised benefits never materialized, and availability was worse than before.
Our Solution:
We documented the false claims made during the sales presentation and filed complaints with state regulators. We negotiated a full release from both contracts and secured a partial refund of their upgrade payment.
The Points Conversion Disaster
David and Carol Martinez purchased a fixed-week timeshare in Orlando in 2005. In 2018, they were convinced to convert to a points-based system for $15,000, promised it would give them "ultimate flexibility" and "guaranteed availability."
After conversion, they discovered their points were insufficient for peak season bookings, and they needed to book 12-18 months in advance. Their maintenance fees increased by 35%, with additional "program fees."
Our Solution:
We identified multiple violations of state timeshare regulations in the conversion process and documented the deceptive sales tactics. After presenting our evidence, we negotiated a complete contract termination and a partial refund.
The Special Assessment Shock
James and Patricia Anderson purchased a beachfront timeshare in Florida in 2008. In 2023, they received notice of a $7,500 special assessment for property renovations, on top of their $2,200 annual maintenance fee.
Living on a fixed retirement income, this unexpected expense was impossible for them to afford. The resort offered no payment plan options and threatened foreclosure if not paid within 60 days.
Our Solution:
We challenged the special assessment based on improper notice procedures and lack of owner input in the renovation decisions. After negotiations, we secured a full release from their contract with no payment of the special assessment.