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Resort HOA's (particular independent resorts which are not associated with any "chain") can (and do) determine their own individual internal "deedback" policies. Understandably, few (if any) of them want to take on the responsibility and burden of having to be subjective arbiters of what constitutes "financial hardship". In these difficult times, [b]most[/b] people (except the "one percenters", of course) are experiencing some form of financial hardship in their lives. It is a very difficult matter for (unpaid volunters, let's remember) HOA / BoD members at independent resorts to have to somehow decide what constitutes "financial hardship", bearing in mind that "independent" resorts do not have the luxury of the deep pockets and / or tax liability manipulation ("write offs") which the big corporate chains possess and routinely practice. That much clearly stated, many resorts have belatedly come to realize that a "deedback" program may, in the final analysis, be more cost effective than foreclosures --- and certainly a lot less headache, time and expense than having to sort out the legal mess and tangles created when the assorted scam / fraudulent "exit" entities muddy up clear title. Still, virtually all independent resorts insist (appropriately, perhaps) that all fees first be fully paid up to date before considering a deedback, which essentially allows people to just walk away and leave remaining owners "holding the bag" for the costs to support the facility. This is a tough subject with many factors and different perspectives, but let's never forget the indisputable fact that the [b]RD[/b] in A[b]RD[/b]A stands for [b]Resort Developers[/b]. ARDA interests, policies and practices are (and will always be) [b]ONLY[/b] in corporate profits, PR, marketing and the developers' bottom lines --- [b]NEVER[/b] with any concern for (nor any interest whatsoever in) the well being (financial or otherwise) of the consumers to whom they want to peddle and sell "the product".