u/LawfulnessSeveral964

My husband and I finally made the decision to stop paying our HGV loan about a month or so ago. We still owe around $26k. Our maintenance fees for the year were already paid, so right now it's the actual loan that we've stopped paying.

Before doing this, we tried communicating with HGV multiple times. We've spoken to them over the phone, sent letters, and sent emails explaining our situation and why we could no longer afford the loan. We've had some major personal/financial circumstances happen, including a death in our family, on top of regular expenses becoming harder to manage.

We also explained in detail why we feel we were misled/scammed during the sales process and the issues we had with how the timeshare was sold to us. Unfortunately, none of our attempts to work something out really went anywhere.

Since stopping payments, HGV has been calling us nonstop even though we've already explained everything multiple times. At this point, we've accepted that we're not going to continue paying this loan.

From what we're reading in our contract, if we default and don't cure it, HGV can eventually terminate our ownership/membership and recover the timeshare/points. We're basically waiting for that process to happen.

Both of us currently have credit scores close to 800 and we pay all of our other bills and debts on time. We understand this could seriously hurt our credit and we've accepted that possibility. We're not planning to stop paying anything else.

I'm mainly hoping to hear from people who have actually defaulted on an HGV loan while still owing a significant balance.

What happened after you stopped paying? How long did HGV keep calling before it went to collections/default/foreclosure or termination? Did a third-party collection agency eventually contact you? Were you ever sued for the remaining balance, or did HGV simply take the timeshare/points back? And how did you handle the collection calls once they started?

I'm especially interested in firsthand experiences and timelines rather than recommendations for timeshare exit companies. We've already decided we're not paying an exit company thousands of dollars just to tell us to stop paying.

We're only about a month or two into this, so I'm trying to understand what the next several months may realistically look like 😬

A few months before my sister passed away, we had a major falling out. The conflict mainly involved my nieces and things I had supposedly said. Looking back, I know I wasn't perfect and there are things I wish I had handled differently. However, I also feel like some of my words were misunderstood, taken out of context, or repeated in a way that wasn't accurate.

When everything happened, I tried explaining myself multiple times, but it felt like nobody wanted to hear my side. It seemed like people had already made up their minds about me based on what they had been told. The situation grew beyond just my sister and me, and other family members became involved.

Then my sister passed away unexpectedly and very tragically.

Since then, some family members have continued to treat me differently. Some avoid me, barely acknowledge me, or seem uncomfortable around me. I've been told that I need to change, that I need to try harder, and that I need to make things right. (im the youngest sibling)

The part I'm struggling with is that I feel like I've been trying.

I've apologized for the things I felt responsible for. I've continued showing up to family gatherings. I've tried being respectful and keeping the peace even when things feel uncomfortable. But I also feel like I'm being judged based on a version of events that I don't believe fully reflects what actually happened.

What makes this even harder is that my sister and I never got the chance to fully work through our conflict before she passed away. There are things I wish we could have talked about, clarified, and resolved. Now that opportunity is gone, and sometimes it feels like I'm carrying the weight of a conflict that can never truly be repaired.

I understand everyone is grieving, and I know grief can affect people differently. I'm not looking to be told I'm completely innocent because I know life isn't that black and white.

I guess my question is this:

If you've apologized for your part, tried to explain yourself, and made an effort to keep showing up, but people still seem to hold a version of events against you that you don't believe is entirely accurate, what else are you supposed to do?

Do I keep trying, or do I accept that some people have already made up their minds about me?

Hey everyone. I’m looking for honest experiences/advice from people who have dealt with HGV (Hilton Grand Vacations) and stopping payments or trying to get out.

My fiancé and I honestly regret signing up. We feel like we were pressured during the presentation and now we’re stuck with a loan + maintenance fees that are becoming too much financially. We’ve already tried reaching out about hardship/exit options and basically got nowhere.

At this point we’re considering stopping payments altogether, but we’re terrified of the consequences and want REAL experiences, not scare tactics from the company.

Has anyone here actually:

• stopped paying HGV?
• been sued by them personally?
• had wages garnished or bank accounts affected?
• dealt with collections?
• had them try to withdraw money from a bank account/card they had on file?

We know it’ll likely hurt credit, and we understand that part. We’re more worried about things like lawsuits or them somehow taking money directly since they have copies of our banking/credit card info from autopay.

We’re just trying to understand what realistically happens, especially from people who have actually gone through it themselves.

Please no judgment. We genuinely feel overwhelmed and misled by the whole process. Thank you.

#timeshare #hgv