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Irene, I get that some people don't feel right defaulting or deliberately failing to pay an obligation. And yes, I understand that some people's consciences won't let them rest easily if they did deliberately default. With that in mind, I don't see what conflict there would be if such a person took KC's advice above to give the HOA an ultimatum. The HOA would likely take such a threat seriously and start the process of deed back which would be a lot better than starting the process of foreclosure. The owner would likely have to pay closing costs but it would be a clean transfer without defaulting. However, if the owner has this conscience that he must pay fees for a unit that he is not using, then I say fine. Pay it. Just don't complain about it when you have the option of foreclosing, listing it for give away, or contacting the resort's HOA to somehow negotiate a deed back.