I had an SVV 1 bedroom Amelia successfully deeded back to Vistana about 2 years ago. However it was my first timeshare purchase and I had about $8000 loan owed to Vistana, so this might be my advantage to work it out. What I did was I stopped paying for few months (like 6-8 months). Then Vistana started calling me and asking me to pay which I politely declined (said i have no money, but feel free to take timeshare back). After few foreclosure mails from Vistana with final warnings, I eventually called and asked for deedback which Vistana accepted. My credit did not get hurt in the end. Now I'm a happy owner with resale SVV Bella and SBP, and resale MVC Ko Olina.