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I was reading about your problem in paying off your purchase of a timeshare. We too have the same problem and have been trying to have them reverse our purchase since last November. We are traveling down to Montecristo Villa the second two weeks of November. Our lawyer is traveling with us. It has ruined our credit and it has been a pain. Hope to let you know how we managed after the fact. I have not heard of the owners advocate. How did you find this and has it been helpful?