• Please check out the review contest thread here vote for the best review and cast your vote for the best review to start 2020! winner gets a $50 gift card!
  • The TUGBBS forums are completely free and open to the public and exist as the absolute best place for owners to get help and advice about their timeshares for more than 26 years!

    Join tens of thousands of other owners just like you here to get any and all Timeshare questions answered!
  • TUG is starting a new contest that will award $50 to the best review submitted within the next two weeks!!

    Read more here
  • TUG has now saved timeshare owners more than $14,000,000 dollars just by finding us in time to rescind a new Timeshare purchase! A truly incredible milestone!

    Read more here: TUG saves owners more than $14 Million dollars
  • We completed the upgrade of the TUGBBS forums recently and are still working on issues/customizations/changes etc. Please post in the thread in the ABOUT TUGBBS section with your feedback. Note if you are unable to log in or access the forums please email us at tug@tug2.net!
  • Follow the TUG Member Banner as it travels the world on vacation with Timeshare owners! Also sign up to get the banner sent to you so you can submit a photo of your vacation with the banner to share with TUG! Banner Thread
  • Sign up to get the TUG Newsletter for free! Join tens of thousands of other owners who get this every week! Latest resort reviews and the most important topics discussed by owners during the week!
  • Our official "end my sales presentation early" T-shirts are available again! Also come with the option for a free membership extension with purchase to offset the cost!

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

Links to Official State Timeshare Laws and Guides/Manuals

TUGBrian

Administrator
Joined
Mar 24, 2006
Messages
18,187
Reaction score
2,977
Points
749
Location
Florida
somehow i accidentally moved this to the bluegreen forum, ive put it back in BSR but im pretty sure it was posted in another forum instead as a sticky (perhaps newbies?) let me know so i can move it back to where it was before =)
 

pedro47

TUG Review Crew: Expert
TUG Member
Joined
Jun 6, 2005
Messages
11,647
Reaction score
2,410
Points
548
Location
East Coast
Brian, thanks for catching this error, This is one thread that needs to be saved.
IMHO.
 

CalGalTraveler

TUG Member
Joined
Dec 21, 2014
Messages
4,370
Reaction score
2,881
Points
348
Location
California
Great work @Grammarhero I was considering picking up another timeshare in Nevada but this thread has convinced me not to buy there because of their consumer unfriendly laws. We already own a TS in Vegas that we may now sell and replace with one in an anti-deficiency state to trade or just rent.

On your point about Washington DC. There are two in Georgetown. HGVC The District and the Ritz Carlton Residences which are across the street from each other.
 

Grammarhero

Official TUGBBS Rescission Master
TUG Lifetime Member
Joined
Jun 9, 2019
Messages
2,065
Reaction score
1,347
Points
313
Location
Washington, DC Area
Resorts Owned
Wyndham 353k pts, Williamsburg Plant 4L/4 & 2/2, DRI South Bend 1/1
@CalGalTraveler @Fredflintstone @pedro47 @TUGBrian
@DeniseM @SNA27 @cyntravel @SteelerGal

Here is most updated TS Official Laws table, which now adds information on DC timeshare laws, with 15 day rescission period! I stand corrected about DC not having any timeshares. I'm still working on the table with deficiency/statutes of limitations information.

Edited: I just uploaded a converted PDF version, which doesn't break links. I just realized that saving as PDF breaks the links.
 

Attachments

Last edited:

Grammarhero

Official TUGBBS Rescission Master
TUG Lifetime Member
Joined
Jun 9, 2019
Messages
2,065
Reaction score
1,347
Points
313
Location
Washington, DC Area
Resorts Owned
Wyndham 353k pts, Williamsburg Plant 4L/4 & 2/2, DRI South Bend 1/1

Grammarhero

Official TUGBBS Rescission Master
TUG Lifetime Member
Joined
Jun 9, 2019
Messages
2,065
Reaction score
1,347
Points
313
Location
Washington, DC Area
Resorts Owned
Wyndham 353k pts, Williamsburg Plant 4L/4 & 2/2, DRI South Bend 1/1

Bailey#1

TUG Member
Joined
Dec 5, 2013
Messages
410
Reaction score
193
Points
153
Location
Vermont
Grammarhero, thank you for all the time you spent on doing this. I am happy that you got the "Tug Lifetime Member", well deserved.

Not that I would ever go this route, my understanding that Vermont has no TS laws, so anyone in Vermont would have no recourse from the TS industry
should one get into financial difficulties. Is that correct????
 

Grammarhero

Official TUGBBS Rescission Master
TUG Lifetime Member
Joined
Jun 9, 2019
Messages
2,065
Reaction score
1,347
Points
313
Location
Washington, DC Area
Resorts Owned
Wyndham 353k pts, Williamsburg Plant 4L/4 & 2/2, DRI South Bend 1/1
Grammarhero, thank you for all the time you spent on doing this. I am happy that you got the "Tug Lifetime Member", well deserved.

Not that I would ever go this route, my understanding that Vermont has no TS laws, so anyone in Vermont would have no recourse from the TS industry
should one get into financial difficulties. Is that correct????
With financial difficulties for VT TS, I would say one would have "very little" recourse, as opposed to "no" recourse.
 

Grammarhero

Official TUGBBS Rescission Master
TUG Lifetime Member
Joined
Jun 9, 2019
Messages
2,065
Reaction score
1,347
Points
313
Location
Washington, DC Area
Resorts Owned
Wyndham 353k pts, Williamsburg Plant 4L/4 & 2/2, DRI South Bend 1/1
@TUGBrian @CalGalTraveler @Fredflintstone @pedro47 @COSkier1 @SNA27 @SteelerGal

This is the preliminary state TS Foreclosure/Deficiency/SOLs Laws Table, about 1/3 complete. Although 1/3 complete, I focused on noting states with any TS anti-deficiency treatment first. I note the following:
1) California, Florida, Maine, South Carolina, and Wisconsin provide anti-deficiency treatment for both defaulted MF and mortgages, although for the latter four states, one cannot object to a non-judicial foreclosure;
2) Colorado provides anti-deficiency treatment for defaulting MF (but not mortgage), and an objection may waive the anti-deficiency treatment;
3) Hawaii and Montana provide anti-deficiency treatment for defaulting mortgages (but not MF).
4) Illinois, Indiana, South Dakota, and Washington are permissive anti-deficiency states. IL, SD, and WA TS resorts may pursue: 1) non-judicial, anti-deficiency foreclosures, or 2) judicial, deficiency foreclosures. Maybe if in IL, SD, and WA, the TS owner only owes MF and with lawsuits being expensive, TS resorts might agree to non-judicial, anti-deficiency foreclosures. IN only has judicial foreclosures.

I'm hoping to try to finish this Table this next weekend.
 

Attachments

Last edited:

CalGalTraveler

TUG Member
Joined
Dec 21, 2014
Messages
4,370
Reaction score
2,881
Points
348
Location
California
@TUGBrian @CalGalTraveler @Fredflintstone @pedro47 @COSkier1 @SNA27 @SteelerGal

This is the preliminary state TS Foreclosure/Deficiency/SOLs Laws Table, about 1/3 complete. Although 1/3 complete, I focused on noting states with any TS anti-deficiency treatment first. I note the following:
1) California, Florida, Maine, South Carolina, and Wisconsin provide anti-deficiency treatment for both defaulted MF and mortgages, although for the latter four states, one cannot object to a non-judicial foreclosure;
2) Colorado provides anti-deficiency treatment for defaulting MF (but not mortgage), and an objection may waive the anti-deficiency treatment;
3) Hawaii and Montana provide anti-deficiency treatment for defaulting mortgages (but not MF).
4) Illinois, Indiana, South Dakota, and Washington are permissive anti-deficiency states. IL, SD, and WA TS resorts may pursue: 1) non-judicial, anti-deficiency foreclosures, or 2) judicial, deficiency foreclosures. Maybe if in IL, SD, and WA, the TS owner only owes MF and with lawsuits being expensive, TS resorts might agree to non-judicial, anti-deficiency foreclosures. IN only has judicial foreclosures.

I'm hoping to try to finish this Table this next weekend.
Thank you for your hard work and the summary. This is pure gold which will help many.

FWIW...this work demonstrates how lawyers can help consumers to advocate for themselves by being educated on their rights. It's good karma.
 
Last edited:

Grammarhero

Official TUGBBS Rescission Master
TUG Lifetime Member
Joined
Jun 9, 2019
Messages
2,065
Reaction score
1,347
Points
313
Location
Washington, DC Area
Resorts Owned
Wyndham 353k pts, Williamsburg Plant 4L/4 & 2/2, DRI South Bend 1/1

Attachments

Last edited:
Top