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  • A few of the most common links here on the forums for newbies and guests!

Links to Official State Timeshare Laws and Guides/Manuals

Grammarhero

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@TUGBrian @DeniseM @CalGalTraveler take a look. This weekend, I’m creating a spreadsheet with official links to states’ timeshare laws, as well as their statuses as to non-judicial, anti-deficiency foreclosures. In the meantime, I will just keep adding notes.


* Legal Disclaimer: This list and paraphrases of non-judicial, anti-deficiency timeshare foreclosure laws are to provide basic information on timeshare statutes. The list and paraphrases do not, nor are they intended to, render legal advice, nor are they an alternative for appropriate legal research. The referenced information constantly changes and evolves. Please consult appropriate legal counsel prior to any legal activities or signing any timeshare documents.

Admin Edit: Here is the most recent spreadsheets created by Grammarhero containing links to the applicable state laws he has researched!





Links to Official State TS Laws:


  1. Alabama – AL: https://arec.alabama.gov/arec/pages/professionals/licensing/timeshare_law.aspx?AspxAutoDetectCookieSupport=1

  2. Arizona – AZ: http://az.elaws.us/ars/32-2197

  3. Arkansas – AR: https://advance.lexis.com/api/permalink/2c03296b-e238-4411-86e2-3f67b93a6ae1/?context=1000516 (AK’s official statutes links provider is Lexis)

  4. California – CA, TS owners get anti-deficiency judgments, even for judicial actions: https://leginfo.legislature.ca.gov/...vision=4.&title=&part=2.&chapter=2.&article=1

    http://www.dre.ca.gov/files/pdf/timeshare_manual.pdf (page 27 is where main sections begin)

  5. Colorado – CO: http://leg.colorado.gov/sites/default/files/images/olls/crs2018-title-38.pdf (begins pg. 286)

  6. Connecticut – CT: https://www.cga.ct.gov/current/pub/chap_734b.htm

  7. Delaware – DE: https://delcode.delaware.gov/title6/c028/sc02/index.shtml#TopOfPage

  8. Florida – FL, inaction or non-objection results in estate, anti-deficiency foreclosure, but objection leads to judicial, deficiency action: http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&URL=0700-0799/0721/0721.html
    https://www.flrules.org/gateway/ChapterHome.asp?Chapter=61B-37

  9. Georgia – GA, HOA pursues non-judicial foreclosure and judicial, deficiency judgment afterwards (OCGA 44-3-232): https://advance.lexis.com/api/permalink/f9bf9859-8948-4c38-9623-7dc5ec7d5a2f/?context=1000516 (GA’s official statutes links provider is Lexis)

  10. Hawaii – HI, developer has right to deficiency MF judgment for both judicial foreclosures or non-judicial power of sale (514-E29). http://cca.hawaii.gov/pvl/files/2013/08/hrs_pvl_514e.pdf (this is most updated from Hawaii website). TS mortgage defaults might get anti-deficiency treatment (HRS 667-27, 38, 42). https://www.capitol.hawaii.gov/hrscurrent/Vol13_Ch0601-0676/HRS0667/HRS_0667-.htm
  11. Idaho – ID: https://legislature.idaho.gov/statutesrules/idstat/Title55/T55CH18/ (five-day rescission period for ID residents buying non-ID timeshares).

  12. Illinois – IL, developer has option of pursuing a judicial, deficiency foreclosure, or non-judicial, anti-deficiency foreclosure: http://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=3903&ChapterID=63 http://www.ilga.gov/legislation/publicacts/fulltext.asp?Name=100-1038&GA=100
  13. Indiana – IN, only method to obtain waiver of deficiency judgment is for defaulting TS owner to waive sale notice period (IC 32-27-7-5): http://iga.in.gov/legislative/laws/2019/ic/titles/032#32-32

  14. Iowa – IA: https://www.legis.iowa.gov/docs/ico/chapter/557A.pdf

  15. Kentucky – KY: https://apps.legislature.ky.gov/law/statutes/chapter.aspx?id=39092 (look at .395 to .407, and .470 to .486)

  16. Louisiana – LA: http://doa.louisiana.gov/osr/lac/46v67/46v67.doc (begins at page 32)
    http://legis.la.gov/Legis/Law.aspx?d=106597

  17. Maine – ME: http://legislature.maine.gov/statutes/33/title33sec591.html

  18. Maryland – MD, most foreclosure are non-judicial, but resorts can pursue judicial, deficiency actions afterwards: https://govt.westlaw.com/mdc/Browse/Home/Maryland/MarylandCodeCourtRules?guid=NA03512309CC311DB9BCF9DAC28345A2A&originationContext=documenttoc&transitionType=Default&contextData=(sc.Default) (MD’s official statutes link provider is Westlaw).

  19. Massachusetts – MA: https://malegislature.gov/Laws/GeneralLaws/PartII/TitleI/Chapter183B

  20. Michigan – MI: http://www.legislature.mi.gov/(S(3ime1k2p251maasd0ir4dq4i))/mileg.aspx?page=getObject&objectName=mcl-Act-59-of-1978

  21. Minnesota – MN: https://www.revisor.mn.gov/statutes/cite/83
    https://www.revisor.mn.gov/rules/2810/

  22. Mississippi – MS: http://www.mrec.ms.gov/docs/mrec_rules_and_regulations_July_2019.pdf (starts at page 31)

  23. Missouri – MO, MO uses non-judicial foreclosures, but resort can pursue judicial, deficiency action afterwards: https://revisor.mo.gov/main/OneSection.aspx?section=407.600&bid=23110&hl= (407.600 to 407.630)

  24. Montana – MT: https://leg.mt.gov/bills/mca/title_0370/chapter_0530/parts_index.html

  25. Nebraska – NE: https://nebraskalegislature.gov/laws/statutes.php?statute=76-1701 (76-1701 to 76-1741)

  26. 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

  27. New Hampshire – NH: http://www.gencourt.state.nh.us/rsa/html/xxxi/356-b/356-b-mrg.htm
    http://www.gencourt.state.nh.us/rsa/html/XXXI/356-A/356-A-mrg.htm

  28. New Jersey – NJ, most foreclosure are non-judicial, but resorts can pursue judicial, deficiency action afterwards: https://lis.njleg.state.nj.us/nxt/gateway.dll?f=templates&fn=default.htm&vid=Publish:10.1048/Enu (45:15-16.50 to 45:15-16.85)

  29. New Mexico – NM: https://laws.nmonesource.com/w/nmos/Chapter-47-NMSA-1978#!b/a11 (47-11-1 to 47-11-13)

  30. New York – NY, most foreclosures are non-judicial, but resorts can pursue deficiency judgments afterwards: https://ag.ny.gov/sites/default/files/13_nycrr_24.3.pdf

  31. North Carolina – NC: https://www.ncleg.gov/EnactedLegislation/Statutes/PDF/ByArticle/Chapter_93A/Article_4.pdf

  32. North Dakota – ND: https://www.legis.nd.gov/cencode/t43c23-1.pdf (doesn’t specifically reference timeshares)

  33. Ohio – OH: http://codes.ohio.gov/orc/4735.25 (applicable to non-Ohio timeshares)

  34. Oklahoma – OK: http://webserver1.lsb.state.ok.us/OK_Statutes/CompleteTitles/os71.rtf (very little protection for owners of OK TS. OK timeshares protected as securities, but resorts/developers often seek securities protection exemption per 1-203 on page 24)

  35. Oregon – OR: https://www.oregonlegislature.gov/bills_laws/ors/ors094.html (94.803 to 94.945)

  36. Pennsylvania – PA: http://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/049/chapter35/chap35toc.html&d= (very little protection for owners of PA TSs)

  37. Rhode Island – RI: http://webserver.rilin.state.ri.us/Statutes/TITLE34/34-41/INDEX.HTM

  38. South Carolina – SC, inaction or non-objection results in non-judicial, anti-deficiency foreclosure, but objection leads to judicial, deficiency action: https://www.scstatehouse.gov/code/t27c032.php
  39. South Dakota – SD: http://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&Statute=43-15b

  40. Tennessee – TN, TN has no anti-deficiency laws, TS statues begin at 66-32-101 https://advance.lexis.com/documentpage/?pdmfid=1000516&crid=5178a5ca-9f2e-49a6-9e03-9671bc8a5b72&nodeid=ACNABGAABAAB&nodepath=/ROOT/ACN/ACNABG/ACNABGAAB/ACNABGAABAAB&level=4&haschildren=&populated=false&title=66-32-101.+Short+title.&config=025054JABlOTJjNmIyNi0wYjI0LTRjZGEtYWE5ZC0zNGFhOWNhMjFlNDgKAFBvZENhdGFsb2cDFQ14bX2GfyBTaI9WcPX5&pddocfullpath=/shared/document/statutes-legislation/urn:contentItem:4X8K-WKT0-R03M-808V-00008-00&ecomp=h3t7kkk&prid=011cd32f-ea05-4fb7-bc94-598580c61884
  41. Texas – TX: https://statutes.capitol.texas.gov/Docs/PR/htm/PR.221.htm

  42. Utah – UT: https://le.utah.gov/xcode/Title57/Chapter19/57-19.html?v=C57-19_1800010118000101

  43. Virginia – VA, VA has no anti-deficiency law, resort initiates a non-judicial foreclosure, objection leads to judicial foreclosure: https://law.lis.virginia.gov/vacodepopularnames/virginia-real-estate-time-share-act1/

  44. Washington – WA: https://apps.leg.wa.gov/RCW/default.aspx?cite=64.36

  45. West Virginia – WV: http://www.wvlegislature.gov/WVCODE/code.cfm?chap=36&art=9

  46. Wisconsin – WI: http://docs.legis.wisconsin.gov/statutes/statutes/707.pdf


    Links to Official State TS Guides or Manuals
  47. Alabama - AL

  48. Arizona - AZ

  49. Arkansas - AR

  50. California – CA: http://www.dre.ca.gov/files/pdf/faqs/FAQ_Timeshares.pdf

  51. Colorado - CO

  52. Connecticut - CT

  53. Delaware - DE

  54. Florida - FL

  55. Georgia – GA: http://consumer.georgia.gov/consumer-topics/timeshare-sales

  56. Hawaii - HI

  57. Idaho - ID

  58. Illinois - IL

  59. Indiana - IN

  60. Iowa - IA

  61. Kentucky - KY

  62. Louisiana - LA

  63. Maine - ME

  64. Maryland - MD: http://www.marylandattorneygeneral.gov/CPD Documents/Tips-Publications/ConsumerGuideForMarylanders.pdf (section on TS begins on page 12).

  65. Massachusetts - MA

  66. Michigan - MI

  67. Minnesota - MN

  68. Mississippi - MS

  69. Missouri - MO

  70. Montana – MT:

  71. Nebraska - NE

  72. Nevada - NV

  73. New Hampshire - NH

  74. New Jersey - NJ

  75. New Mexico - NM

  76. New York – NY: https://ag.ny.gov/consumer_frauds/investing/you-buy-timeshare

  77. North Carolina - NC

  78. North Dakota - ND

  79. Ohio - OH

  80. Oklahoma - OK

  81. Oregon - OR

  82. Pennsylvania - PA

  83. Rhode Island - RI

  84. South Carolina – SC:

  85. South Dakota - SD

  86. Tennessee - TN: https://www.tn.gov/commerce/news/20...e-scammers-leave-you-without-a-vacation-.html

  87. Texas - TX

  88. Utah - UT

  89. Virginia - VA

  90. Washington - WA

  91. West Virginia - WV

  92. Wisconsin - WI
 
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pedro47

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To Grammarhero, thanks you for all the time and research you have spent in putting this Thread together.
I am reading about the Commonwealth of Virginia TS Laws and there have been many, many new changes in the TS Laws in the Commonwealth effective October 1, 2019.
 
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pedro47

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There are four (4) states that does not have timeshare resorts or TS laws. I have named three (3) of the states, Alaska , Wyoming & Vermont.

Can you name the other one ?
 
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Grammarhero

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There are four (4) states that does not have timeshare resorts or TS laws. I have named three (3) of the states, Alaska , Wyoming & Vermont.

Can you name the other one ?
Kansas.
 

Grammarhero

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To Grammarhero, thanks you for all the time and research you have spent in putting this Thread together.
I am reading about the Commonwealth of Virginia TS Laws and there have been many, many new changes in the TS Laws in the Commonwealth effective October 1, 2019.
Thanks for letting me know. VA repealed the VA Timeshare Act, but passed the VA Real Estate Timeshare Act. The new link is here https://law.lis.virginia.gov/vacodepopularnames/virginia-real-estate-time-share-act1/
 

TheHolleys87

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Wow, great work! Thank you, Grammarhero!
 

CalGalTraveler

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@Grammarhero this is fantastic information. It would be helpful to list by the state links those that have "Non-judicial, Anti-deficiency laws for TS"

For example, Nevada has such laws but not for timeshares. My understanding from @Fredflintstone is that Florida, South Carolina and California apply to TS. Any others?
 

Grammarhero

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@Grammarhero this is fantastic information. It would be helpful to list by the state links those that have "Non-judicial, Anti-deficiency laws for TS"

For example, Nevada has such laws but not for timeshares. My understanding from @Fredflintstone is that Florida, South Carolina and California apply to TS. Any others?
I will get to that this weekend. Thanks for recommendations.
 

CalGalTraveler

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I will get to that this weekend. Thanks for recommendations.

No problem. This is awesome. Makes me rethink where I want to own that free giveaway timeshare...
 
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Grammarhero

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@Grammarhero this is fantastic information. It would be helpful to list by the state links those that have "Non-judicial, Anti-deficiency laws for TS"

For example, Nevada has such laws but not for timeshares. My understanding from @Fredflintstone is that Florida, South Carolina and California apply to TS. Any others?
Yes, CA is anti-deficiency as attached. As stated on the other thread, SC is also anti-deficiency, but defaulting TS owner should NOT object to a non-judicial foreclosure, as to reserve the anti-deficiency right. I will check FL and get back to you.
 

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Grammarhero

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@Grammarhero this is fantastic information. It would be helpful to list by the state links those that have "Non-judicial, Anti-deficiency laws for TS"

For example, Nevada has such laws but not for timeshares. My understanding from @Fredflintstone is that Florida, South Carolina and California apply to TS. Any others?
Interestingly, FL is also a state in which an objection to a non-judicial foreclosure waives those anti-deficiency protections.
 

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Grammarhero

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Grammarhero

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Grammarhero

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Grammarhero

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Former: Wyndham 276k, HVC South Bend 1/1

Grammarhero

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Former: Wyndham 276k, HVC South Bend 1/1

pedro47

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Please look at the new Virginia Law effective 10/01/2019 and tell us. Who do you feel assisted in writing this new legislation into law.

Thanks in advance for any information; you can share with with the TUG community.
 

Grammarhero

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Please look at the new Virginia Law effective 10/01/2019 and tell us. Who do you feel assisted in writing this new legislation into law.

Thanks in advance for any information; you can share with with the TUG community.
Looks like VA state Sen. John S. Edwards (D) primarily wrote the new law.
 

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