Foreclosure or bankruptcy for HGVC

[GBmist1029]

Hi everyone, the past couple months I have been going back and forth with HGVC to get out of my timeshare contract to no avail so looking for advice or other means. I have a mortgage and would rather keep our place than a timeshare since I can only afford one or the other on my income.

For background, my partner passed away this summer and my name was on the HGVC contract, but they lived with me and attended all presentations. We were not married yet as of the time of their passing. Because my credit was higher, the sales person urged me to put the contract solely in my name, which I now realize was dumb. My partner always wired me half of our monthly payment so it was sitting in my account for the monthly ACH transfer. We still have about $50k outstanding. Our contract was for a 2 bedroom at the Elara in Las Vegas where we received 13k club points every even year and 18k club points every odd year.

So far, I have sent a letter to HGVC informing them that I could no longer afford monthly payments or yearly maintenance fees due to my partner’s sudden passing and sent in the preliminary death certificate, a clipping from the newspaper regarding their death which is pending investigation, a local police bulletin naming my partner as a homicide victim and a copy of the pamphlet from the services/funeral. HGVC proceeded to call me multiple times but it was marked as spam so I never picked up, and they emailed a letter that informed me of an intent to collect a debt. I called the number on the letter and requested a deed in lieu of foreclosure but they instead emailed me a form to submit that would either temporarily halt payments, rollover missed payments to the back of the loan, or make a payment plan to restart missed payments. Instead, I went to my bank to do a stop payment on all HGVC payments for the month of August and it worked. I can still access the HGVC member login and see a missed payment. I have been calling and emailing local lawyers for 2 months but have not found anyone that deals with timeshare foreclosure or possible bankruptcy in these kinds of cases. Some lawyers have told me to go to a lawyer dealing with debt collection or foreclosure, others told me to contact a real estate lawyer, but every one I call can not help me.

At this point I am lost on what to do next. I am aware that my credit may be dinged based on past threads and foreclosure is likely if they do not allow me to do a deed in lieu of one. I do not want them to go after my home, which is what I’m most worried about. I know bankruptcy is another option to explore if all else fails. I have not formally spoken to HGVC since mid-July and weirdly have not received any calls, voicemails or emails from them about the missed payment for August yet.

Any advice is appreciated since I feel like I have exhausted so many resources in the last 3 months. Thank you.

 

[Wgk101]

I would contact a foreclosure attorney in Las Vegas to get advice on your liabilities.

 

[HuskerATL]

I am really sorry for your situation. it does not sound like a good situation but I don't have any experience in this area to provide advice. If you google, "TUG HGV Foreclosure", there are many discussion posts about this though and maybe the information will be helpful.

 

[HedonisticEpicurean]

I'm sorry about the loss of your partner. That must be painful. Having this financial situation over your head must only add to the pain.

I hope others can give you great advice and possible legit lawyers to contact. It is only a guess, but I would think the company can foreclose on your timeshare but wouldn't be able to go after your personal residence. I'm sure it is different state by state.

When you get the problem solved come back and share how it turned out.

Good luck!

 

[letsgobobby]

very sorry for your loss

i do not understand how your home could be foreclosed upon if you stop paying the timeshare. if you can’t afford both, and stop paying the timeshae, it seems hgvc could sue you for the debt, try to foreclose on the timeshare, ruin your credit, etc. but i don’t see how you jeopardize your primary home as long as you make timely payments on it.

i’m not a lawyer and you probably need one.

 

[echino]

It's complicated because you have two separate liabilities: maintenance fees to HGVC and a loan to a lender.

 

[Talent312]

Do not agree to pay them anything more. They'll foreclose on the TS.
Bankruptcy will not not prevent foreclosure of a mortgage or MF lien.

However, it will discharge your personal liability for the amount owed.
-- Both for the loan and for the MF's --
So they could get the TS back, but it stops harassment for the debt.
They could do that with a deed in lieu of (but are too bull-headed).

OTOH, Bankruptcy may expose some of your assets to creditor claims.
A Bankruptcy attorney would help determine if you have such assets.

If you are "judgment proof" (no assets subject to creditor claims),
you could elect not to file, and just tell them to go pound sand.
-------------------------
Do not construe this as legal advice, merely armchair quarterbacking.
I urge you to consult an attorney who specializes in Bankruptcy law.
.

 

[5finny]

Probably best to contact a Bankruptcy attorney in the state in which you reside and where your home is located
That should tell you whether in a worse case scenario your home is at risk and if so whether can you do anything to protect it

If you actually can't pay the decision is easy-don't pay

Take a deep breath
It sounds like you have already gone through and survived much worse
Good Luck

 

[dioxide45]

What state is the property located in?

 

[Yzfguy06]

I’m sorry for your loss.

 

[CalGalTraveler]

I am sorry to hear about your loss. HGVCs response sucks.

Nevada is not an anti-deficiency state so they theoretically can go after you to pay and garnish wages if they win. Might pursue for $50k but who knows?

I don't understand why you have 13k points even years and 18k odd years in a 2 bedroom. What exactly do you own? 2 deeds? EoYs or annual?

What season do you own? Plat, gold, silver? If you were to rent this out for your home week for Formula One, Super Bowl, or big Cement convention would that be enough to cover your MF and mortgage? Check Redweek for comps.

Of course if you were to rent you would have to make your account current. HGVC would not honor the reservation if you are not current.

Do not pay anyone to get you out of this. Exit scammers.

 

[RX8]

A word of warning. Paying an exit company thousands of dollars saying they can get you out of your timeshare will be the same as throwing your money away. It isn’t uncommon for an exit company to advise you to stop paying resulting in a default/foreclosure. They will then refuse to refund your money because they will argue they got you out.

 

[TUGBrian]

very sorry for your loss

i do not understand how your home could be foreclosed upon if you stop paying the timeshare. if you can’t afford both, and stop paying the timeshae, it seems hgvc could sue you for the debt, try to foreclose on the timeshare, ruin your credit, etc. but i don’t see how you jeopardize your primary home as long as you make timely payments on it.

i’m not a lawyer and you probably need one.

very few states provide the ability to go after a primary residence/homestead even in the case of a successful judgement etc.

as suggest above, given the amount here you should schedule a consultation with an attorney in your state that handles debt collection to give you a legitimate rundown of the possible ramifications should you default.

 

[ernststarhemberg]

A word of warning. Paying an exit company thousands of dollars saying they can get you out of your timeshare will be the same as throwing your money away. It isn’t uncommon for an exit company to advise you to stop paying resulting in a default/foreclosure. They will then refuse to refund your money because they will argue they got you out.

Echoing this. Be very wary of "exit companies" offering solutions. Most likely they will only compound your troubles.

I have no other advice beyond what everyone else has contributed. Sorry for your loss and wishing you the best in dealing with this hassle. Please report back once you have discovered an option so others can learn from your experience.

 

[goaliedave]

By all means consult as others have suggested. In the end, best to just stop paying everything, ignore all communications for a few years, and the most you'll lose is a few credit points.

 

[GBmist1029]

I am sorry to hear about your loss. HGVCs response sucks.

Nevada is not an anti-deficiency state so they theoretically can go after you to pay and garnish wages if they win. Might pursue for $50k but who knows?

I don't understand why you have 13k points even years and 18k odd years in a 2 bedroom. What exactly do you own? 2 deeds? EoYs or annual?

What season do you own? Plat, gold, silver? If you were to rent this out for your home week for Formula One, Super Bowl, or big Cement convention would that be enough to cover your MF and mortgage? Check Redweek for comps.

Of course if you were to rent you would have to make your account current. HGVC would not honor the reservation if you are not current.

Do not pay anyone to get you out of this. Exit scammers.

It’s silver, one contract and one deed but has different points and maintenance fees for different years (odds and evens). I can’t afford to pay the monthly owed on the $50k remaining in the contract without my partner’s income so it is a choice between paying the mortgage on my home or the HGVC timeshare. Since I got this timeshare with my partner, I also want to exit of it because it just reminds me of them so it’s an attachment thing too.

Agreed about those exit companies. Out of curiosity I talked to two of them in 2020

 

[GBmist1029]

It’s silver, one contract and one deed but has different points and maintenance fees for different years (odds and evens). I can’t afford to pay the monthly owed on the $50k remaining in the contract without my partner’s income so it is a choice between paying the mortgage on my home or the HGVC timeshare. Since I got this timeshare with my partner, I also want to exit of it because it just reminds me of them so it’s an attachment thing too.

Agreed about those exit companies. Out of curiosity I talked to two of them in 2020

**hit post reply before done typing.

In 2020 I spoke to two exit companies out of curiosity and agreed they are a scam. They basically can’t advise you to stop making payments and just send letters on your behalf and ask for thousands in advance that do not guarantee any results. If you stop paying, it speeds up communication between the exit company and the timeshare company but you will still be in the same boat I am now, going back and forth, waiting to see how it pans out with collection.

 

[CalGalTraveler]

Which resort? It sounds like you own two deeds in one contract (Even and Odd). One of those deeds is a higher point value. Is it a larger unit? or a gold/plat season?

CES computer show is during silver season in January, so you could potentially rent your home week if it covers your costs. Completely understand about the attachment emotional wanting to let go. Now is the time to explore all available alternatives and perhaps turn this into an impersonal "business" you never visit to rent it out until the mortgage it paid off.

Here are some Elara studios that rented on Redweek recently in the fall for $140 - $200/night.

Would $700 - $1400 / week cover your maintenance fee and mortgage costs?

Can you also move the mortgage to a lower interest rate loan from HGVC's high interest rate e.g. 0 interest transfer balance credit card. DO NOT TRANSFER TO YOUR HOME MORTGAGE. IMHO $50k is a lot of money for a credit card and a deed with no value so you may have no choice but to walk. Speak to an attorney as to your options for walking. Here is a link to Nevada timeshare default law to save you some coin with the lawyer.

Nevada – NV, defaulting TS owners have no right to non-judicial, anti-deficiency foreclosures, but defaulting homeowners do: https://www.leg.state.nv.us/NRS/NRS-119A.html

IMHO...I am deeply disappointed that HGVC sold you these silver deeds for $50k and now won't take them back given your life circumstance. This is not good business. Shameful.

Good luck.

 

[GBmist1029]

Hi everyone, the past couple months I have been going back and forth with HGVC to get out of my timeshare contract to no avail so looking for advice or other means. I have a mortgage and would rather keep our place than a timeshare since I can only afford one or the other on my income.

For background, my partner passed away this summer and my name was on the HGVC contract, but they lived with me and attended all presentations. We were not married yet as of the time of their passing. Because my credit was higher, the sales person urged me to put the contract solely in my name, which I now realize was dumb. My partner always wired me half of our monthly payment so it was sitting in my account for the monthly ACH transfer. We still have about $50k outstanding. Our contract was for a 2 bedroom at the Elara in Las Vegas where we received 13k club points every even year and 18k club points every odd year.

So far, I have sent a letter to HGVC informing them that I could no longer afford monthly payments or yearly maintenance fees due to my partner’s sudden passing and sent in the preliminary death certificate, a clipping from the newspaper regarding their death which is pending investigation, a local police bulletin naming my partner as a homicide victim and a copy of the pamphlet from the services/funeral. HGVC proceeded to call me multiple times but it was marked as spam so I never picked up, and they emailed a letter that informed me of an intent to collect a debt. I called the number on the letter and requested a deed in lieu of foreclosure but they instead emailed me a form to submit that would either temporarily halt payments, rollover missed payments to the back of the loan, or make a payment plan to restart missed payments. Instead, I went to my bank to do a stop payment on all HGVC payments for the month of August and it worked. I can still access the HGVC member login and see a missed payment. I have been calling and emailing local lawyers for 2 months but have not found anyone that deals with timeshare foreclosure or possible bankruptcy in these kinds of cases. Some lawyers have told me to go to a lawyer dealing with debt collection or foreclosure, others told me to contact a real estate lawyer, but every one I call can not help me.

At this point I am lost on what to do next. I am aware that my credit may be dinged based on past threads and foreclosure is likely if they do not allow me to do a deed in lieu of one. I do not want them to go after my home, which is what I’m most worried about. I know bankruptcy is another option to explore if all else fails. I have not formally spoken to HGVC since mid-July and weirdly have not received any calls, voicemails or emails from them about the missed payment for August yet.

Any advice is appreciated since I feel like I have exhausted so many resources in the last 3 months. Thank you.

Update as of December 2023 - last month the non payment on my HGV account was posted to my credit report. It dropped 25-30 points across TransUnion, Equifax, and Experian. All my other accounts are up to date with low credit usage, on-time payments, etc. and my score is around low 700s now.

I have consulted a couple more attorneys and have yet to find one that does not charge a large fee upfront or puts fees in escrow pending final result of the case. I did however get some helpful advice from some of them, but similarly to what I already did HGV does not want to do a deed in lieu of foreclosure. At this point, I don’t know if there is much an attorney can do that I have not already done.

 

[LeslieDet]

Update as of December 2023 - last month the non payment on my HGV account was posted to my credit report. It dropped 25-30 points across TransUnion, Equifax, and Experian. All my other accounts are up to date with low credit usage, on-time payments, etc. and my score is around low 700s now.

I have consulted a couple more attorneys and have yet to find one that does not charge a large fee upfront or puts fees in escrow pending final result of the case. I did however get some helpful advice from some of them, but similarly to what I already did HGV does not want to do a deed in lieu of foreclosure. At this point, I don’t know if there is much an attorney can do that I have not already done.

My condolences on the loss of your partner.

Now, sorry, but I'm going to be blunt, please do not take offense, but you need to understand the realities of how this all works. HGV doesn't care that your partner passed. You seem to believe that providing HGV all of the info about your partner's death would somehow convince them to release you from the contractual obligations that you signed up for. That won't ever happen unless you are able to force them into a position (for example, by filing bankruptcy). Frankly, even if you and your partner had taken title jointly, it would most likely have been as a JTWROS meaning that upon your partner's death, you'd own 100%, so don't kick yourself too much for agreeing to take title in your own name.

Now, because your partner passed, one question is do you have any benefits that pass to you from your partner's death? Life insurance? Damages from a civil lawsuit for the death? Victim funds? If so, then perhaps you can use those to cover the expenses. What is reflected by hindsight is that if your partner really wanted to purchase that timeshare, but neither of you had the money to pay for it up front, then if your partner promised to share the cost with you, because you were not married, there should have been some agreement formally entered into to protect you in the event of death. Thus, you would have the ability to assert a claim against your partner's estate upon your partner's death because you were not married. IDK if there are any assets your partner may have had, but if so, that is the place for you to look if you cannot afford to pay the bills; you could potentially assert some sort of equitable claim based upon the agreement you and your partner had. Note, it will be difficult if your partner's heirs challenged your claim due to legal issues, or it may already be too late depending upon when death happened, but that is one path you can look at.

You mention you want to keep the home you owned, and I can obviously understand that. It seems you've attempted to negotiate a deed in lieu with HGV and they aren't willing to work with you. It doesn't matter to the credit agencies that the debt is a timeshare. The fact that you are defaulting on a mortgage is going to continue to impact your credit rating. And it will continue to make you a target for collection agencies. You have assets. IDK what your equity position is in your home, or how much you may have in bank accounts, or how much you earn at your job, but if you have assets then you simply cannot ignore the debt. You must engage the services of counsel to assist you, even if it is to file bankruptcy; unless you want to continue to have your credit rating decline. Note that filing bankruptcy will also impact your credit. You have to pick your poison so to speak. Which is worse? Ending the ts obligations by filing bankruptcy and having your credit tank, or not entering bankruptcy, facing ongoing creditor claims, potential litigation to be filed against you to recover the sums due, and then risking your other assets, all the while seeing your credit rating tank because you didn't pay the debt you willingly signed up for? Note, if you have other credit that is based upon your need to maintain good credit, then the default can impact that credit also. If you need to refi your home loan, the default on your ts mortgage will impact your ability to refinance your home. If you don't want to engage the services of a bankruptcy attorney, then you'd have to figure out how you can make those mortgage payments on the timeshare, and get current on your MFs, and then, if possible, rent out the ownership to cover the MFs until such time that you can sell the ts.

Best of luck to you. BTW - when you give an attorney money up front to pay a retainer, it isn't an escrow. There are some attorneys who may file a basic Chapter 7 for you for a fixed fee. Those are the ones who want a chunk of money up front. Then there are some who do it on an hourly rate. That is the case when they ask for a retainer up front. They bill against that retainer. Whoever you engage to represent you, make sure to read and understand the fee agreement. Know if you are paying flat fees or hourly rates. And, don't waste your time thinking you'll find a lawyer who specializes in "timeshare foreclosure". Your timeshare is deeded real property. You own a second property you can no longer afford. It is irrelevant that property is a timeshare. IMHO you need a bankruptcy lawyer, not a real estate lawyer. Who knows, perhaps HGV would be more willing to a deed-in-lieu if a bankruptcy lawyer contacted them on your behalf and said that you were filing Ch 7 unless they work out a deal.

 

[alwysonvac]

So sorry to hear about your situation. Thanks for taking the time to share your experience. It will help others facing the same situation.

Definitely seek out a professional but it is what it is. Keeping a roof over your head and food on your plate is number one. Timeshares and vacations are not a must have. It will be hard lesson with consequences (I believe it's a 7-year impact on your credit report) but it will pass.

Here's what has been collected from others who have shared.

[ 2022 ] Timeshare Default Credit Report/Collection Tracking

Some of you know I have been tracking this. Out of four (4) more TS defaults reported on TUG Facebook, one (1) got his credit affected. I have tabbed the following stats(updated 5/2022): TS defaults w credit drops: 47 out of 107 TS defaults w collections: 12 out of 107 TS defaults w...

tugbbs.com

 

[LeslieDet]

Do not agree to pay them anything more. They'll foreclose on the TS.
Bankruptcy will not not prevent foreclosure of a mortgage or MF lien.

However, it will discharge your personal liability for the amount owed.
-- Both for the loan and for the MF's --
So they could get the TS back, but it stops harassment for the debt.
They could do that with a deed in lieu of (but are too bull-headed).

OTOH, Bankruptcy may expose some of your assets to creditor claims.
A Bankruptcy attorney would help determine if you have such assets.

If you are "judgment proof" (no assets subject to creditor claims),
you could elect not to file, and just tell them to go pound sand.
-------------------------
Do not construe this as legal advice, merely armchair quarterbacking.
I urge you to consult an attorney who specializes in Bankruptcy law.
.

Just FYI - I realize your response is months old, but since this post had an update, I am only now reading your comment. BTW - a bankruptcy absolutely stops a foreclosure that is in process. To say that it does nothing to prevent a foreclosure of a mortgage debt or a MF lien is simply not accurate. Anytime a bankruptcy is filed it is accompanied by an automatic stay. That stay applies to all proceedings, whether they are non-judicial or judicial. That b/k would definitely get the attention of the creditor, and that creditor may very well want to work out something prior to a b/k filing. Remember, the creditor has to spend money on a bankruptcy lawyer. The creditor would definitely be motivated to deal with the issue if faced with that cost in a b/k. The creditor could move for relief from stay if the creditor wanted to put pressure on the debtor and if the debtor had more assets, but again, that is doubtful given the type of asset which carries the debt. Moreover, the debtor could legally abandon the asset by not assuming the contract and it's almost an instant "poof" - no more foreclosure.

You ask if the OP is judgment proof; obviously the OP isn't as a home is mentioned. Suggesting that they tell the creditor to pound sand is extremely risky when the debtor owns a home.

 

[GBmist1029]

Hi everyone, the past couple months I have been going back and forth with HGVC to get out of my timeshare contract to no avail so looking for advice or other means. I have a mortgage and would rather keep our place than a timeshare since I can only afford one or the other on my income.

For background, my partner passed away this summer and my name was on the HGVC contract, but they lived with me and attended all presentations. We were not married yet as of the time of their passing. Because my credit was higher, the sales person urged me to put the contract solely in my name, which I now realize was dumb. My partner always wired me half of our monthly payment so it was sitting in my account for the monthly ACH transfer. We still have about $50k outstanding. Our contract was for a 2 bedroom at the Elara in Las Vegas where we received 13k club points every even year and 18k club points every odd year.

So far, I have sent a letter to HGVC informing them that I could no longer afford monthly payments or yearly maintenance fees due to my partner’s sudden passing and sent in the preliminary death certificate, a clipping from the newspaper regarding their death which is pending investigation, a local police bulletin naming my partner as a homicide victim and a copy of the pamphlet from the services/funeral. HGVC proceeded to call me multiple times but it was marked as spam so I never picked up, and they emailed a letter that informed me of an intent to collect a debt. I called the number on the letter and requested a deed in lieu of foreclosure but they instead emailed me a form to submit that would either temporarily halt payments, rollover missed payments to the back of the loan, or make a payment plan to restart missed payments. Instead, I went to my bank to do a stop payment on all HGVC payments for the month of August and it worked. I can still access the HGVC member login and see a missed payment. I have been calling and emailing local lawyers for 2 months but have not found anyone that deals with timeshare foreclosure or possible bankruptcy in these kinds of cases. Some lawyers have told me to go to a lawyer dealing with debt collection or foreclosure, others told me to contact a real estate lawyer, but every one I call can not help me.

At this point I am lost on what to do next. I am aware that my credit may be dinged based on past threads and foreclosure is likely if they do not allow me to do a deed in lieu of one. I do not want them to go after my home, which is what I’m most worried about. I know bankruptcy is another option to explore if all else fails. I have not formally spoken to HGVC since mid-July and weirdly have not received any calls, voicemails or emails from them about the missed payment for August yet.

Any advice is appreciated since I feel like I have exhausted so many resources in the last 3 months. Thank you.

Sept 2025 - it’s been about 2 years and my HGVC timeshare is now cancelled!! So thankful!

By early 2024 HGVC did ding my credit report and reported it as an outstanding loan with 6 months of late payments. This stayed on my credit for about another 6 months then fell off one day from Transunion, Experian, and Equifax. I did not dispute it off my credit, it just disappeared from my accounts.

I did receive maybe 5 email communications directly from Portfolio Services, countless letters in the mail (maybe 10-12), lots of phone calls and voicemails to the point that I subscribed to a robocall blocker app, and finally around last year there were 1-2 letters from a lawyer that I did not collect from the post office. The lawyer’s letters were not intentionally left at the post office. I happened to be traveling for work when both arrived, both were sent via USPS Signature Confirmation but I was not home nor expecting anything. Finally a regular letter (sent regular 1st class, no signature for release) came from the same law firm earlier this year (maybe March 2025) that stated that my HGVC unit along with a list of other units, was going up for sale soon and pending sale, I would be informed of next steps. Late August 2025 they sent this letter confirming cancellation (see pic).

I did try calling to request for a deed back in lieu of foreclosure but they instead sent me a doc that outlined payments options. I did write back, sent 2 letters and sent them via USPS w/a signature required both times. The first letter included clippings of my partner’s passing from local police, newspaper articles, and a copy of the death certificate. The second letter requested an update in 90 days since the first letter was not confirmed as received or reviewed. HGVC never wrote back to either letter.

No, I did not have to declare bankruptcy. I still live in the home I own. My credit did take a hit and went down 100 points temporarily but overall no big deal to me. The letter also states that my Hilton points may be affected but again not a big deal if anything does happen.

Happy to answer any questions but if you’ve read through my posts, my circumstance is a bit unique compared to some others I’ve seen on here prior.

Lastly thank you to everyone on here that replied and the other threads that emphasized writing to them over calling. Calling literally gets you nowhere but redirects and voicemail boxes. They are in the business of selling, not customer care.

 

[brp]

So happy that this worked and that the overall financial impact was minimal in the end.

Cheers.

 

[dioxide45]

Sept 2025 - it’s been about 2 years and my HGVC timeshare is now cancelled!! So thankful!

By early 2024 HGVC did ding my credit report and reported it as an outstanding loan with 6 months of late payments. This stayed on my credit for about another 6 months then fell off one day from Transunion, Experian, and Equifax. I did not dispute it off my credit, it just disappeared from my accounts.

I did receive maybe 5 email communications directly from Portfolio Services, countless letters in the mail (maybe 10-12), lots of phone calls and voicemails to the point that I subscribed to a robocall blocker app, and finally around last year there were 1-2 letters from a lawyer that I did not collect from the post office. The lawyer’s letters were not intentionally left at the post office. I happened to be traveling for work when both arrived, both were sent via USPS Signature Confirmation but I was not home nor expecting anything. Finally a regular letter (sent regular 1st class, no signature for release) came from the same law firm earlier this year (maybe March 2025) that stated that my HGVC unit along with a list of other units, was going up for sale soon and pending sale, I would be informed of next steps. Late August 2025 they sent this letter confirming cancellation (see pic).

I did try calling to request for a deed back in lieu of foreclosure but they instead sent me a doc that outlined payments options. I did write back, sent 2 letters and sent them via USPS w/a signature required both times. The first letter included clippings of my partner’s passing from local police, newspaper articles, and a copy of the death certificate. The second letter requested an update in 90 days since the first letter was not confirmed as received or reviewed. HGVC never wrote back to either letter.

No, I did not have to declare bankruptcy. I still live in the home I own. My credit did take a hit and went down 100 points temporarily but overall no big deal to me. The letter also states that my Hilton points may be affected but again not a big deal if anything does happen.

Happy to answer any questions but if you’ve read through my posts, my circumstance is a bit unique compared to some others I’ve seen on here prior.

Lastly thank you to everyone on here that replied and the other threads that emphasized writing to them over calling. Calling literally gets you nowhere but redirects and voicemail boxes. They are in the business of selling, not customer care.

View attachment 115526

Thanks for the update. I suspect a deed in lieu probably wouldn't have worked anyway if your partner was also on the deed. You did for free what many people pay thousands or tens of thousands to a timeshare exit company to do for them. This proves how much of a scam timeshare exit companies are.