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Try calling the resort and explaining that you can't afford the payments anymore and you are going to walk away unless they agree to a " deed back ". Explain to them that it's in their best interest to take it back or they will spend thousands of dollars in legal fees and lost maintenance fees just to end up with it anyway. They may ask you to pay the next years maintenance fees to give them time to find another owner and that's a small price to pay to be free of future obligations.