I emphasize that theses are my personal observations but would be interested if you have had dealings with ACA. I received an unsolicited call re selling a timeshare. I was passed between 3 individuals who seemed to be "qualifiers". Each asked the standard - name on deed - how long owned - current on fees - mortgage - problem booking desired week - lied to during sales presentation. Their business model is they have a team of specialist lawyers who negotiate with the resort to get the deed cancelled. At the end of three conversations they still could not state a fee unless I had a one hour conversation with another specialist but one individual suggested that it was in the range of 3 - 4 years maintenance fees. The transaction timeline question went unanswered but I did see that an online review spoke of their 19 month experience. The word "guarantee" was used but, again, details were vague. Again, this is my personal observation and I would be interested in any constructive feedback