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[Q=wizowashv]Question - if I don't pay, my fees for say 2 years, diamond would foreclose and wouldn't that have repercussions eg. credit rating etc? Would they come after me through a collection agency or something?[/Q] Generally speaking, [b]*if*[/b] there is no unpaid loan balance / default, there are rarely any credit report repercussions from a timeshare foreclosure initiated [b]solely[/b] because of unpaid maintenance fees. Defaulting on a loan, however, is virtually guaranteed to result in a negative credit report. Yes, there would very likely be some third party collection agency [b]calls[/b] for a while, but those people usually give up quickly if / when it is very clearly communicated to them that "I'm done here and I'm simply never paying another penny --- so go right ahead and do as you wish". Two years is not a time frame engraved in stone before foreclosure is initiated; it depends upon individual company or HOA practices. Almost never would it be any sooner than two years, it might be three years, but only very rarely would any company / developer / HOA wait four years before initiating foreclosure. If your maintenance fees are up to date as you have indicated, I'd recommend contacting Diamond directly (and soon) to pursue a "deedback". The money that you unwisely sent to those parasites at Timeshare Exit Team was clearly wasted and is now gone forever, I am very sorry to say.