• 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 29 years!

    Join Tens of Thousands of other Owners just like you here to get any and all Timeshare questions answered!
  • TUG started 29 years ago in October 1993 as a group of regular Timeshare owners just like you!

    Check out our happy birthday post here: Happy Birthday TUG!
  • TUG has a YouTube Channel to produce weekly short informative videos on popular Timeshare topics!

    Come check it out for a chance to win a Free TUG membership (or renewal) just for helping out!

    Read more here
  • TUG has now saved timeshare owners more than $20,000,000 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 $20 Million dollars
  • Our 2022 Timeshare Survey is now complete and the full results as well as our expert and witty analysis of each question is available here: Here We hope you enjoy reading the results as much as we did!
  • 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! 50,000+ subscribers! 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!

What are good timeshares to buy in non-judicial anti-deficiency judgement states?


TUG Member
Mar 4, 2020
Reaction score
Resorts Owned
Do you know a good timeshare in a state with non-judicial anti-deficiency judgement policies? Seems like the best states to own in are CA, FL, SC, CO.

As legal commentary, I noticed:
1) Only CA has mandatory anti-deficiency foreclosure, no matter what defenses defaulting TS owners raise.
2) SC and FL have elective non-judicial, anti-deficiency foreclosures. Inaction to or electing non-judicial, anti-deficiency foreclosures reserves that anti-deficiency right for defaulting TS owners, but objections waive that anti-deficiency right.
3) IN has permissive anti-deficiency, judicial foreclosures. The only method to obtain waiver of deficiency judgment is for defaulting TS owner to waive 60/90-day sale notice period (IC 32-27-7-5), with IN resort's agreement. If the defaulting IN-TS owner has a valuable week (i.e. summer, Christmas, New Years, near time and location of Indianapolis 500 or Notre Dame football games), the IN resort might want to resell quickly and agree to waive the deficiency judgment.
4) IL also has a permissive non-judicial, anti-deficiency foreclosure. Maybe if the TS owner is judgment-proof, on fixed income, or has ERISA-protected retirement accounts; or the IL resorts know they can’t collect on deficiency judgments; IL resorts might resort to a non-judicial, anti-deficiency foreclosure to save legal costs.
5) defaulting homeowners, but not MF-defaulting TS owners, get anti-deficiency protections in AZ, HI, NV, MT, ND, OR, and OK. Based on circumstances, mortgage-defaulting TS owners might get anti-deficiency protections in HI and MT.

CO allows anti-deficiency, judicial foreclosures for defaulting MF. http://leg.colorado.gov/sites/default/files/images/olls/crs2018-title-38.pdf (page 363)

I hope having a list like this would help future buyers. Your personal definition of "good" is fine: Low MF, nice resort, low purchase price, great location, amenities, etc.

Here is what I'm looking into:
  • Marriott Grande Vista, Florida: nice resort, low purchase price, reasonable MF for the quality (~$1500 for 2 BR)
  • HGVC Marbrisa: Beautiful resort, medium purchase price ($5-8k), reasonable MF for the quality ($1400 for 2 BR)
Last edited: