Walking away from your MVC timeshare

[raykam]

Has anyone walked away from your MVC timeshare -and what happened ?
How long has it been and did MVC contact you regarding non payment of your maintenance fee's ?
Did you have to interface with MVC ?

 

[alwysonvac]

If it’s paid off, you can try giving it away and have someone else take over the annual maintenance fee. We have a forum to post free timeshares.

What details should I include in my Free Giveaway Listing?

In the live stream tonight a member suggested some instructions on how to craft a free giveaway listing to help folks out who may or may not know exactly how to give away a timeshare (or it might not even be theirs, as in giving away for a relative or deceased family member etc). I wanted to...

tugbbs.com

 

[LeslieDet]

What do you own? If it is in the USA, then it is deeded. You will definitely receive delinquency notices, late fees, your BonVoy account can be suspended. It will be your HOA that pursues you for the delinquency in unpaid MFs. You can't just "ghost" them. You own it. If you want to get rid of it, again, depending upon where or what it is you own, reach out to MVC for exit, or give it away to someone using various sites for that. Note that foreclosures for unpaid MFs may take quite a bit of time, depending on the state where the timeshare is located, because state law applies. Check your CC&Rs for the consequences of failing to pay the MFs.

 

[dioxide45]

You can't just "ghost" them.

What do you mean? You certain can "ghost" them. Just ignore any and all communications. They foreclose, it happens all the time.

 

[Fido Chuckwagon]

What do you mean? You certain can "ghost" them. Just ignore any and all communications. They foreclose, it happens all the time.

Agreed, and the odds of an enforceable deficiency judgment for unpaid maintenance fees alone is so miniscule as to be functionally nonexistent. Further, even if such a judgment were possible, the HOA can’t get a judgment for prospective maintenance fees, all they could ever get would be the maintenance fees owed as of the date of foreclosure.

Op, I agree that you should try to give this away first either to another person or to the developer, many Marriott deeds can be given away, but if you can’t give it away, I wouldn’t lose much sleep over it. Your worst case scenario is likely a credit hit from the foreclosure, but even that may not happen if the foreclosure is just for unpaid maintenance fees.

 

[dioxide45]

Even if one can't give it away, talk to MVC as they do have an active deed back program.

https://www.marriottvacationclubs.com/s/exit?utm_medium=referral&utm_source=arda-landingpg&utm_campaign=arda

 

[LeslieDet]

What do you mean? You certain can "ghost" them. Just ignore any and all communications. They foreclose, it happens all the time.

I'm referring to the OP question of whether or not you have to "interface" with MVC. You can't just ghost (ie disappear from, leave no forwarding number, address, email, etc.,) the HOA, they have your full name, SSN, DOB, address and contact number. You will be getting mail and demands. You don't have to open it up, but yes, you will receive communications from the company. In my definition book that equates to "interfacing" with the company.

 

[DeniseM]

If you don't respond, the communication will all be one way. That is the very definition of "ghosting."

 

[LeslieDet]

If you don't respond, the communication will all be one way. That is the very definition of "ghosting."

Gee Denise, and here we go with a definition thanks to Google: "Ghosting is when you go poof and literally disappear out of someone's life without a word or explanation." Here's the catch, in the context in which I used it, the OP cannot literally disappear because the OP can be found given that all of the OP's info is already in the database. This may surprise you, but the company will also send mail and other communications meaning that the OP cannot simply disappear into the ether.

 

[LeslieDet]

Your worst case scenario is likely a credit hit from the foreclosure

If the OP were simply able to "ghost" the HOA, then there couldn't be a hit to his credit. Which brings us back to my point, the OP will receive communications, and they may be ignored or unwanted, but the OP cannot simply disappear from the world never to hear from his timeshare HOA or MVC again.

 

[VacationForever]

Since MVC accepts deedbacks for fully paid off deeds, there is no need to walk away. Just call MVC for a deedback.

 

[davidvel]

Gee Denise, and here we go with a definition thanks to Google: "Ghosting is when you go poof and literally disappear out of someone's life without a word or explanation." Here's the catch, in the context in which I used it, the OP cannot literally disappear because the OP can be found given that all of the OP's info is already in the database. This may surprise you, but the company will also send mail and other communications meaning that the OP cannot simply disappear into the ether.

"Google." Denise is 100% correct. Ghosting MVC in this context is just ignoring every communication, outreach, attempt to contact, etc. Ghosting does not mean there are no consequences to ghosting, or that your friends can't diss you or keep trying to reach out. Ask your kids if you have any under 25, this is exactly what ghosting means.

 

[dioxide45]

"Google." Denise is 100% correct. Ghosting MVC in this context is just ignoring every communication, outreach, attempt to contact, etc. Ghosting does not mean there are no consequences to ghosting, or that your friends can't diss you or keep trying to reach out. Ask your kids if you have any under 25, this is exactly what ghosting means.

and even if you ghost someone, it doesn't mean that someone doesn't know where you live and can't try to contact you via some other method.

 

[Fido Chuckwagon]

"Google." Denise is 100% correct. Ghosting MVC in this context is just ignoring every communication, outreach, attempt to contact, etc. Ghosting does not mean there are no consequences to ghosting, or that your friends can't diss you or keep trying to reach out. Ask your kids if you have any under 25, this is exactly what ghosting means.

Yes:

Ghosting​

When a person cuts off all communication with their friends or the person they're dating, with zero warning or notice before hand. You'll mostly see them avoiding friend's phone calls, social media, and avoiding them in public.
I haven't seen Tom in 3 months. I think he may be ghosting me.

Source: https://www.urbandictionary.com/define.php?term=Ghosting

Anywho, it sounds like OP won’t have to ghost since Marriott will likely take a deedback, but to answer Op’s original question, if Marriott for some reason doesn’t, then the consequences to ghosting Marriott will be minimal other than the possible credit hit and the “scary” collection letters.

 

[easyrider]

If the OP were simply able to "ghost" the HOA, then there couldn't be a hit to his credit. Which brings us back to my point, the OP will receive communications, and they may be ignored or unwanted, but the OP cannot simply disappear from the world never to hear from his timeshare HOA or MVC again.

I think you are right in that you can't really hide from adult responsibilities without consequences but the others are right about ghosting as simply ignoring all communications which in time usually results in foreclosure.

Bill

 

[LeslieDet]

I think you are right in that you can't really hide from adult responsibilities without consequences but the others are right about ghosting as simply ignoring all communications which in time usually results in foreclosure.

Bill

I think it is hilarious that the bully brigade is so concerned about my definition of ghosting vs actually trying to inform/educate the OP. They can believe what ever definition they want, just as I believe that there is a difference between ignoring communications and completely disappearing never to be located again.

But as usual, my goal is to help educate the OP, and ignore the pettiness. I stand firm in my opinion that while you can ignore a foreclosure and all of the notices/demands that will be sent, you cannot simply disappear into the ether (unless of course you die, then the creditor won't be able to send any notice to a viable address and your SSN won't matter much).

 

[davidvel]

I think it is hilarious that the bully brigade is so concerned about my definition of ghosting vs actually trying to inform/educate the OP. They can believe what ever definition they want, just as I believe that there is a difference between ignoring communications and completely disappearing never to be located again.

But as usual, my goal is to help educate the OP, and ignore the pettiness. I stand firm in my opinion that while you can ignore a foreclosure and all of the notices/demands that will be sent, you cannot simply disappear into the ether (unless of course you die, then the creditor won't be able to send any notice to a viable address and your SSN won't matter much).

Says the person who introduced the incorrect Google definition of ghosting in a poor attempt to correct the person who used the term. Again, ghosting does not means completely disappearing to never be heard from again. It means what everyone here said it does. Ask your kids' kids.

 

[easyrider]

Says the person who introduced the incorrect Google definition of ghosting in a poor attempt to correct the person who used the term. Again, ghosting does not means completely disappearing to never be heard from again. It means what everyone here said it does. Ask your kids' kids.

Says Dave.

You can ask 10 people what ghosting is and you will probably get 10 different answers because it's slang. It's a made up word.

Bill

 

[davidvel]

Says Dave.

You can ask 10 people what ghosting is and you will probably get 10 different answers because it's slang. It's a made up word.

Bill

Everyone here except Leslie (and you?) knows what it means. It was used correctly by Dioxide.

P.S.: All words are "made up."

 

[easyrider]

P.S.: All words are "made up."

True but slang has many meanings when used as an adjective and can mean different things to different people.

Bill

 

[vacation911]

True but slang has many meanings when used as an adjective and can mean different things to different people.

Bill

I think Ghosting is described well here. How could it mean something different? Like the silent treatment from my day. Communication is one way and the other person is ignored.

If this is paid off use the deed back program. If it's not become a and you can't or won't pay I guess you can become a ghost as long as you know they may ding your credit, become a ghost.

Just watch out, i hear they send people to break your knee caps. LOL