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You are correct. I have stopped paying maint. fees to Diamond Resorts, because I traded it in when I purchase another timeshare unit. This did not make D. Resorts happy and they have hurt my credit score and labeled me as a serious delinquency. So what. I don't have any debt and don't plan on mortgages in the future or borrowing for a car. Just be aware that they can try to hurt you in this way.