Evidence identified during your case review may indicate deceptive sales practices and circumstances suggesting your timeshare contract may have been entered into under coercive or potentially unlawful circumstances—supporting pursuit of a voluntary release.
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Loan balance, interest, and maintenance fees — projected 10 and 20 years out.
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The federal and state rules Linx Legal relies on as an advocate for timeshare owners.
The FTC publishes guidance for timeshare owners: ask about your right to cancel (the “cooling-off period”) and get every promise in writing.
FTC: Timeshares ↗A timeshare loan must disclose the amount financed, the finance charge, the APR and the total of payments (12 CFR 1026.18).
CFPB: 12 CFR 1026.18 ↗Example: Florida lets purchasers cancel until midnight of the 10th calendar day (Fla. Stat. §721.10). Other states differ.
Fla. Stat. §721.10 ↗In this example, a $51,992 loan costs $57,181.60 in finance charges — $109,173.60 in total, more than double the amount financed, at 17.19% APR. The box is pictured at the bottom of this page — find the same box on your own loan documents.
Under the Truth in Lending Act (Regulation Z), the seller must disclose the finance charge and the total of payments in dollars — not just the interest rate. This disclosure also shows the Total Interest Percentage (TIP): 109.98% — the interest over the life of the loan as a percentage of what was borrowed. That is 6.4 times larger than the 17.19% annual rate, and 2.1× the amount financed is repaid in total.
Legal protections do not produce a release on their own; the facts must be documented and applied to your specific ownership and contract. This page is informational and is not legal or financial advice.
