JP Mutual Management

The Timbers Kauai ownership we purchased in 2015 represented everything we thought we wanted in a vacation property. Luxury accommodations, beautiful Hawaiian setting, the prestige of owning at one of the most exclusive resorts in the islands. For the first few years, we used it annually and felt we were living our best lives. Then came the divorce. My ex-husband and I had purchased the timeshare jointly, and neither of us wanted it after the marriage ended. The court ordered it sold and proceeds divided, but selling proved impossible. No one wanted to buy into the maintenance fee obligation that came with ownership. We were stuck in a forced partnership with someone I no longer wanted any connection to. The annual fee discussions became another source of conflict in an already contentious post-divorce relationship. Each year brought arguments about who would pay, whether to use the week, and how to handle special assessments. The timeshare that was supposed to bring joy had become another battleground. Finding Gina Reid at JP Mutual Management offered hope for finally closing this chapter. From our first conversation, she understood that my situation was not just about finances - it was about emotional freedom from a constant reminder of a failed marriage. Gina coordinated with both me and my ex-husband throughout the process, managing the complexity of joint ownership with diplomacy and skill. She handled communications with both of us separately when needed, ensuring the exit process did not become another source of conflict. The $48,500 investment was split between us as part of our divorce settlement modifications. Gina worked with both of our attorneys to ensure the exit agreement satisfied legal requirements on both sides. Her attention to the unique complexities of our situation demonstrated expertise I had not found elsewhere. The process required patience, as luxury resort exits always do. But Gina's consistent communication kept both of us informed without requiring us to communicate directly with each other. She managed the interpersonal dynamics as skillfully as she managed the resort negotiations. The day our exit was confirmed, I felt a weight lift that had nothing to do with money. The last tie to my former life was finally severed. I could move forward without this annual reminder of what used to be. Gina Reid did not just exit a timeshare. She helped me close a painful chapter and start fresh. That gift has no price tag.

I am not someone who writes reviews often, but the experience I had with Gina Reid at JP Mutual Management was so exceptional that I felt compelled to share it for others who might be in similar situations. Our timeshare at the Four Seasons was purchased during a particularly vulnerable moment in our lives. We were celebrating my husband's cancer remission with a lavish vacation, and the sales team capitalized on our emotional state. We signed paperwork we should have reviewed more carefully, and by the time we understood what we had committed to, the rescission period had passed. For eight years, we tried to make peace with our purchase. We used it when we could, but the inflexibility of the ownership never quite fit our lives. When my husband's health began declining again and our travel became limited, the maintenance fees became a source of stress rather than a reminder of happier times. Finding Gina Reid felt like finding a lifeline. From our first conversation, she treated us with compassion and understanding. She did not judge us for our purchase decision or make us feel foolish for having been caught up in a sales presentation during an emotional moment. Instead, she focused entirely on solutions. Gina's expertise with Four Seasons properties specifically was evident throughout our process. She knew their corporate structure, their typical responses to exit requests, and the most effective strategies for negotiating release from their contracts. This specialized knowledge gave us confidence that we were in capable hands. The $38,200 investment was significant, but Gina helped us understand that premium resort exits often require premium expertise. She was upfront about all costs and never surprised us with additional fees or charges. Throughout the process, Gina maintained consistent communication. She called when she said she would call. She provided updates even when there was nothing dramatic to report. She made a stressful process feel manageable. When the final confirmation of our exit arrived, Gina's call felt like hearing from a friend rather than a business contact. She genuinely shared our joy and relief. That personal connection, that authentic care for our wellbeing, is what separates JP Mutual Management from other companies in this industry. My husband and I are now free from an obligation that had become a burden during an already difficult time in our lives. We will be forever grateful to Gina Reid for her expertise, her professionalism, and her compassion.

I want to start by saying something that might sound dramatic but is absolutely true: our timeshare nearly destroyed our marriage. The financial stress, the arguments about money, the blame and resentment that built up over the years - it was tearing us apart. My wife had never wanted the timeshare. I had been the one swayed by the sales presentation during our honeymoon in Maui. I had signed the paperwork despite her hesitations. And for years afterward, every maintenance fee increase, every special assessment, every failed attempt to use or rent our week became another source of tension between us. When I finally admitted that I had made a mistake and that we needed professional help to get out, my wife was understandably skeptical. We had already spent money on one exit company that had failed to deliver results. But I had done my research on JP Mutual Management, and something about Chad Jacobelli's approach gave me confidence. Our first consultation as a couple was eye-opening. Chad didn't just explain the exit process - he helped us understand why timeshare sales tactics are so effective and why so many people end up in our situation. There was no judgment, no condescension. Just empathy and expertise. The $31,200 we invested in the exit felt like a lot at the time. But when I thought about it in terms of what we would continue to pay in maintenance fees for the rest of our lives - fees that would eventually pass to our children as an inheritance of debt - the cost was actually a bargain. Throughout the months that followed, Chad kept both of us in the loop. He scheduled calls at times that worked for our schedules, sent written summaries of our conversations, and always made sure both my wife and I understood what was happening and why. This transparency helped rebuild trust between us that had been damaged by years of timeshare-related stress. The day we received confirmation that our timeshare obligation was officially terminated, my wife and I celebrated with a bottle of champagne we had been saving for a special occasion. We cried together - not from sadness, but from relief. We had our lives back. We had our marriage back. I don't know if Chad Jacobelli fully understands the impact his work has on families like ours. It's not just about money or contracts. It's about relationships, peace of mind, and the ability to move forward without the burden of past mistakes weighing you down. We are forever grateful.

I am not easily impressed. In forty years of running my own business, I have dealt with salespeople of every kind. I know the difference between genuine expertise and polished presentations. Russell Smith at JP Mutual Management is the real deal. My Marriott Vacation Club ownership had been a thorn in my side for fifteen years. What started as a reasonable annual fee had grown into a significant expense that no longer made sense for my lifestyle. I had tried multiple times to sell through the resort's own program, only to be told the market was soft and no buyers were available. I suspected they simply did not want to facilitate exits. When I first contacted JP Mutual Management, I approached the conversation as I would any business negotiation. I asked pointed questions about their success rates, their methodology, and their fee structure. Most salespeople become defensive under this kind of examination. Russell welcomed it. Russell's answers were specific, detailed, and verifiable. He provided references from clients with similar Marriott situations. He explained his approach in terms that demonstrated genuine expertise, not memorized scripts. When I pushed back on certain points, he acknowledged limitations honestly rather than overselling his capabilities. The $40,600 fee was substantial, but Russell justified every dollar. He broke down the services included, the timeline expected, and the specific strategies he would employ for Marriott properties. His transparency about what the money would accomplish set him apart from every other company I had researched. Throughout the process, Russell demonstrated the professionalism I expect from any business partner. He met deadlines. He communicated proactively. He solved problems without drama. When the resort raised objections, he addressed them efficiently and effectively. The day my exit was confirmed, I called Russell to express my respect - not just my gratitude, but genuine professional respect. He had earned it through competence, integrity, and results. For business owners and executives accustomed to evaluating professionals, Russell Smith will meet your standards. He is the real deal.

My journey with this company started in January 2023 when I reached out after seeing their advertisement online. During our initial consultation call, the rep explained their three-phase exit process: document review, resort negotiation, and final deed transfer. Phase 1 (Weeks 1-4): They collected all my ownership documents including the original contract, deed, and maintenance fee history. The document specialist identified several clauses in my contract that could be leveraged for the exit. Phase 2 (Months 2-8): This was the negotiation phase where they worked directly with the resort's legal team. I received monthly progress updates via email, though there were a few months where communication slowed down. They had to file formal complaints with the resort's corporate office twice before getting traction. Phase 3 (Months 9-14): The final paperwork and deed transfer. This included signing quitclaim deeds, getting documents notarized, and waiting for the resort to process the transfer. The longest wait was the 6 weeks for the resort to officially release me from the contract. Total process: 14 months from initial contact to receiving my release letter.

The anxiety I felt every time I thought about my timeshare was affecting my health. My doctor had actually mentioned that I needed to find ways to reduce stress, and my timeshare was at the top of the list. The annual fees, the guilt of paying for something I never used, the frustration of being trapped in a contract I could not escape - it was taking a physical toll. I found Russell Smith at JP Mutual Management through an online support group for timeshare owners. Multiple members had worked with him and had nothing but positive things to say. Their experiences gave me hope that maybe, just maybe, there was a way out. My first call with Russell was therapeutic in ways I did not expect. For the first time, I spoke with someone who truly understood what I was going through. Russell had helped hundreds of people in my situation. He knew the emotional toll, not just the financial burden. He treated me as a person, not just a potential client. The $34,100 investment was carefully considered. Russell helped me calculate not just the financial cost of continuing to own the timeshare, but the emotional and health costs as well. When viewed holistically, the exit investment was clearly the right choice for my overall wellbeing. Russell's communication style was particularly valuable for someone dealing with anxiety. He was calm, measured, and reassuring. He set clear expectations and met them consistently. There were no surprises, no sudden demands, no stressful developments. Just steady progress toward a defined goal. The day my exit was confirmed, I felt something I had not felt in years: genuine peace of mind. The constant low-level anxiety that had become my normal state simply... lifted. My doctor noticed the improvement at my next appointment. Russell Smith did not just exit a timeshare. He improved my quality of life in ways that go far beyond finances. For anyone whose timeshare is affecting their mental health, please know that there is help available. Russell Smith understands.

I never thought I would write a review calling a timeshare exit company life-changing, but that is exactly what Russell Smith and JP Mutual Management did for our family. My parents purchased their timeshare in 1995, back when such things seemed like sensible investments. For years, they used it happily. But as they aged and their health declined, travel became impossible. Yet the maintenance fees kept coming, year after year, consuming money they desperately needed for medical expenses. When my father passed away, we discovered that the timeshare would transfer to my mother, and eventually to us children, as an inherited obligation. The thought of this financial burden following our family through generations was unbearable. We had to find a way out. I researched timeshare exit companies for months, reading horror stories about scams and failed promises. When I found Russell Smith at JP Mutual Management, something felt different. The reviews were specific and detailed. The success stories mentioned him by name. I decided to take a chance. Russell understood immediately that this was not just a financial decision - it was about protecting my elderly mother and preventing a burden from passing to the next generation. He treated our situation with sensitivity and respect, never rushing us or pressuring us to decide quickly. The $37,800 investment was significant, but Russell helped us understand the alternative: decades of maintenance fees stretching into the future, growing larger each year, affecting not just my mother but eventually her children and grandchildren. When viewed across generations, the exit cost was actually economical. Throughout the process, Russell kept my mother informed without overwhelming her. He copied me on all communications so I could help explain anything that confused her. His patience with her questions - often the same questions asked multiple times - showed a level of compassion that exceeded anything I expected from a business transaction. The day the exit was confirmed, my mother wept with relief. She could now focus on her remaining years without the stress of timeshare obligations. And her children would not inherit a burden we never wanted. Russell Smith did not just exit a timeshare. He freed our family from a generational obligation. That gift is beyond price.

In my experience, you rarely find professionals who are both completely honest AND highly effective. Usually, the honest ones tell you what you do not want to hear, and the effective ones tell you what you want to hear whether it is true or not. Chad Jacobelli at JP Mutual Management is that rare combination: brutally honest AND extremely effective. My timeshare situation was complicated. I had inherited the ownership from my parents, which created unique legal considerations. I had also made several previous attempts to exit that had failed, potentially complicating my case further. I needed someone who would tell me the truth about my chances, not just what I wanted to hear. Chad's initial assessment was sobering but ultimately encouraging. He explained exactly why my previous attempts had failed and what would need to be different this time. He was honest that my case was more complex than average and would likely cost more and take longer. He gave me realistic expectations rather than optimistic fantasies. The $44,500 investment reflected that complexity. Chad broke down exactly why my case required more intensive handling: the inheritance complications, the previous failed attempts, the specific resort's known resistance tactics. Every dollar was explained and justified. What impressed me most was how Chad's honesty translated into effectiveness. Because he had accurately assessed my situation, his strategy was precisely calibrated to address the actual challenges. There were no surprises because he had anticipated everything. The resort's objections were met with prepared responses. Their delay tactics were countered with appropriate escalation. The process took time, as Chad had warned. But his regular updates kept me informed of genuine progress at every stage. When obstacles arose, he explained them honestly and outlined his plan to address them. I always knew exactly where I stood. The day my exit was confirmed, I called Chad to thank him for both his honesty and his effectiveness. He had delivered exactly what he promised - no more, no less. In a world full of exaggerated promises and disappointing results, Chad Jacobelli is a refreshing exception.

Twenty-three years. That is how long my family owned our Montage timeshare before Gina Reid at JP Mutual Management finally freed us from what had become an unbearable financial obligation. When we purchased our Montage ownership in 2002, we were a young family with dreams of annual luxury vacations. The property was beautiful, the amenities were exceptional, and the sales team painted a picture of a lifetime of wonderful memories. For the first decade, we used our ownership frequently and felt we were getting value for our investment. Then life evolved, as it always does. Our children grew up, went to college, started their own families with their own vacation preferences. Our careers changed, our schedules shifted, and our travel desires no longer aligned with the fixed week we owned. But the maintenance fees did not care about these changes. They continued to arrive annually, growing larger each year. By 2020, we were paying over $6,000 annually for a property we had not visited in four years. When I calculated what we had spent on maintenance fees alone during our years of non-use, the number was staggering. Something had to change. I first discovered JP Mutual Management through an extensive internet search for Montage-specific exit services. Many companies offered generic timeshare exit services, but I wanted someone with experience handling luxury resort properties like ours. When I found reviews mentioning Gina Reid's expertise with high-end resorts, I knew I had to call. Gina's initial consultation was thorough and educational. She explained why luxury resort exits are different from standard timeshare terminations, why they often require specialized strategies, and why they typically involve higher investments. She was completely transparent about the $47,200 fee, explaining exactly what it covered and why this level of service was necessary for a property like ours. What impressed me most was Gina's detailed knowledge of Montage's corporate structure and policies. She had handled numerous Montage exits and knew exactly what to expect at each stage of the process. When the resort pushed back - as Gina had predicted they would - she was prepared with responses they could not dismiss. The process took time, as Gina had forewarned. Luxury resorts do not release owners quickly or easily. But Gina's persistence and expertise eventually prevailed. Each month brought progress, each obstacle was overcome, and finally, after patient and professional advocacy, our exit was confirmed. The day that confirmation arrived, I sat with my wife and we reflected on 23 years of ownership - the good memories from our early years and the financial stress of our later years. We were finally free. Our children would not inherit this obligation. Our retirement budget was no longer burdened by escalating fees. Gina Reid delivered exactly what she promised. If you own a luxury timeshare that has become more burden than benefit, she is the professional you need. The investment is significant, but the peace of mind is worth far more.

My wife and I bought our timeshare in 2010 during what should have been a relaxing vacation in Cancun. The sales presentation was high-pressure, the promises were extravagant, and we were caught up in the moment. Within an hour, we had signed a contract that would haunt us for over a decade. The first few years were fine - we used our week annually and felt we were getting value. But then life changed. Kids were born, work schedules became unpredictable, and suddenly our fixed timeshare week no longer fit our lives. We tried the resort exchange program and quickly discovered that availability never matched our needs. We tried to rent our week and found the market flooded with similar units at rock-bottom prices. By 2018, we were paying over $1,800 annually in maintenance fees for a week we hadn't used in three years. When I tried to contact the resort about options, they offered to sell us more points as a solution. The absurdity of that suggestion still makes me shake my head. I found Russell Smith at JP Mutual Management through an online forum where someone shared their successful exit story. I reached out expecting another runaround, but Russell surprised me immediately. He didn't oversell or make unrealistic promises. He simply explained how the process worked, what it would cost, and what timeline I should expect. The $29,800 investment felt steep at first. But Russell helped me calculate what we had already paid in maintenance fees since we stopped using the property, and what we would continue to pay for the rest of our lives. When I saw those numbers side by side, the exit cost suddenly looked like a bargain. Russell handled everything with professionalism and clear communication. He set expectations appropriately from the start and delivered exactly what he promised. When the resort raised objections, Russell had responses ready. When paperwork was required, Russell guided us through every document. Today, we are officially free of our timeshare obligation. No more annual fees. No more guilt about unused weeks. No more arguing with my wife about whether we should try to use it this year. We have already used the money we would have spent on maintenance fees to take a family vacation to a destination of our choosing, staying in accommodations we selected ourselves. Russell Smith at JP Mutual Management delivered everything he promised. If you are stuck in a timeshare you no longer want or use, call them. You will not regret it.

For seven years, I tried to exit my timeshare on my own. I wrote letters to the resort. I hired an attorney who took my retainer and accomplished nothing. I even tried to give it away for free - literally listed it for one dollar on a resale site. No takers. The perpetual contract had become a perpetual nightmare. When my neighbor mentioned that he had successfully exited his timeshare through JP Mutual Management, I was interested but cautious. I had been burned before. The attorney I had hired previously had seemed legitimate, had a nice office, spoke convincingly about timeshare law. And then he had disappeared with my $5,000 and never filed a single document on my behalf. My first call with Russell Smith at JP Mutual lasted nearly two hours. Russell didn't rush through a sales pitch. Instead, he asked detailed questions about my ownership history, my resort, my previous exit attempts. He reviewed documents I sent him and came back with a specific strategy tailored to my situation. What struck me about Russell was his depth of knowledge. He knew my resort's typical responses to exit requests. He knew which approaches had worked and which had failed. This wasn't generic advice - it was expertise built from handling hundreds of similar cases. The investment of $42,800 was the largest check I had ever written for a service. My hand actually shook as I signed it. But Russell had walked me through the math: what I had already spent, what I would continue to spend indefinitely, and what freedom would ultimately cost. When viewed as a lifetime calculation, the number made sense. Russell's communication throughout the process was impeccable. Every two weeks, I received an update even if there was no significant news. When there was news, he called personally to explain what it meant and what came next. I never had to wonder what was happening or whether my case had been forgotten. The resort pushed back hard. They had rejected my previous exit attempts and seemed determined to keep me trapped. But Russell was prepared for every objection, every delay tactic, every obstacle they threw up. His persistence and professionalism eventually prevailed. When the final confirmation arrived, I read it three times to make sure it was real. After seven years of trying, after thousands of dollars wasted on failed attempts, I was finally free. Russell Smith and JP Mutual Management made the impossible possible. I will recommend them to anyone who asks - and plenty of people who don't ask but need to hear this story.

My husband and I purchased our timeshare in 2005 during what we thought was the vacation of a lifetime in Hawaii. The sales presentation was magical - beautiful videos of exotic destinations, promises of flexibility, and the allure of owning a piece of paradise. What they did not mention was the perpetual contract, the escalating fees, and the near impossibility of ever getting out. For eighteen years, we dutifully paid our maintenance fees, watching them increase from a manageable amount to something that now exceeded our monthly car payment. We used the timeshare perhaps six times in all those years. The math was devastating when we finally calculated what each of those vacations had actually cost us. I first heard about JP Mutual Management from a coworker whose parents had successfully exited their timeshare. She gave me Chad Jacobelli's name specifically, telling me her parents could not say enough good things about him. That personal recommendation carried more weight than any online review. My first conversation with Chad lasted ninety minutes. He was patient, thorough, and refreshingly honest. He told me our exit would likely take several months and explained exactly why. He quoted $33,700 and broke down exactly what that investment covered. There were no hidden fees, no surprise charges, no bait-and-switch tactics. What impressed me most was Chad's knowledge of our specific resort chain. He had handled dozens of exits from the same company and knew their tactics intimately. When they sent their standard rejection letter, Chad had a response ready. When they claimed our contract was non-cancellable, Chad knew exactly which legal frameworks to cite. The process required patience, as Chad had warned. But his consistent communication made the waiting bearable. Every two weeks, I received an update even if there was nothing dramatic to report. That consistency built trust in a way that aggressive sales tactics never could. When our exit was finally confirmed, my husband and I celebrated with the vacation we had always wanted - one we chose ourselves, at a destination we selected, staying where we wanted to stay. The freedom was indescribable. Chad Jacobelli earned every dollar we paid him. If you are considering exit services, stop considering and call him. You will not regret it.

Before finding Russell Smith, I had wasted nearly $15,000 on two different exit companies that promised the world and delivered nothing. The first took six months before admitting they could not help me. The second simply stopped responding to my emails after accepting my payment. I was ready to accept that I would be paying maintenance fees until the day I died. My sister-in-law, who had successfully exited her own timeshare through JP Mutual Management, practically forced me to call Russell Smith. I resisted at first - I had lost too much money and too much hope to try again. But she was persistent, and eventually I made the call. Russell spent our first conversation not trying to sell me, but trying to understand my previous experiences and why they had failed. He asked detailed questions about which companies I had used, what approaches they had tried, and what responses the resort had given. His analysis was thorough and revealing - he identified specific mistakes those companies had made and explained how his approach would differ. The $28,900 investment was terrifying after my previous losses. But Russell offered something the other companies never had: a detailed explanation of his specific strategy for my case, written documentation of all services included, and references from clients in similar situations. He did not ask me to trust blindly - he gave me evidence to support that trust. Throughout the process, Russell proved every word he had said. His communication was consistent and thorough. His strategy was executed precisely as outlined. When the resort resisted, he had responses prepared. When they tried delay tactics, he knew how to escalate appropriately. The day my exit was confirmed, I called my sister-in-law before anyone else. Without her insistence, I would still be trapped. Russell Smith succeeded where two other companies had failed, and he did it for less money than I had already wasted on those failures. If you have been burned before, I understand your hesitation. But Russell Smith is different. Give him the chance to prove it.

I am a retired attorney, and let me tell you - I approached JP Mutual Management with every ounce of professional skepticism I had developed over thirty years of legal practice. I examined their contracts, researched their corporate filings, and grilled Russell Smith with questions designed to expose any inconsistencies in his pitch. Russell passed every test. He welcomed my scrutiny, answered my questions directly, and provided documentation for every claim he made. In thirty years of dealing with salespeople of all kinds, I had never encountered someone so transparent and unflinching under examination. My timeshare situation was complicated. I owned at a high-end resort with contracts that I had personally reviewed and believed to be ironclad. As an attorney, I had tried to find my own exit strategy and failed. The legal frameworks that usually provided consumer protections seemed to offer no relief. I had essentially concluded that escape was impossible. Russell disagreed. He explained strategies I had not considered, approaches specific to my resort that had worked for other clients, and legal developments that had occurred since I had last researched the issue. His knowledge exceeded my own, despite my legal training, because this was his specialty while timeshare law had only been an occasional interest of mine. The $45,300 fee was higher than I had hoped, reflecting the complexity of my particular situation. But Russell explained exactly why my case required more intensive handling and what that additional investment would accomplish. His transparency about pricing, even when delivering news I did not want to hear, only increased my trust. The process required patience and persistence. The resort fought hard to keep me, as I had expected. But Russell was prepared for every move they made. His experience showed in how quickly he responded to each obstacle, often anticipating their tactics before they deployed them. When my exit was finally confirmed, I had to admit that Russell had accomplished what I, with all my legal training, had been unable to achieve. He earned my respect as a professional and my gratitude as a client. If a skeptical retired attorney can become a believer, anyone can. Russell Smith is the real deal.

Our Waldorf Astoria timeshare was supposed to be the pinnacle of vacation ownership. When we purchased in 2012, we were told it represented the finest in luxury hospitality - and for a few years, it delivered on that promise. But life changes in ways we cannot predict, and eventually the annual fees became a burden we could no longer justify. I contacted several exit companies before finding Gina Reid at JP Mutual Management. Most had no experience with luxury resort properties and seemed confused by the specifics of my ownership structure. One actually told me that high-end timeshares were impossible to exit. I was beginning to believe them until I spoke with Gina. From our first conversation, Gina demonstrated expertise that the other companies lacked. She understood the nuances of luxury resort ownership, the different corporate structures, and the specific strategies that work with premium properties. Her knowledge was immediately apparent and deeply reassuring. The $35,600 investment was carefully explained. Gina walked me through exactly what the fee covered and why luxury exits typically require more specialized handling than standard timeshare terminations. There were no hidden costs, no surprise fees, no bait-and-switch tactics. Just transparent pricing for clearly defined services. What impressed me most was Gina's personal attention to my case. She returned calls within hours, often the same day. She remembered details about my situation without having to reference notes. She made me feel like a valued client, not just another file in a stack. When the resort pushed back - as Gina had predicted - she was prepared. Her responses were strategic, knowledgeable, and effective. She knew exactly which buttons to push and which approaches would be futile. Her expertise shortened what could have been an endless process. The day my exit was confirmed, I called Gina personally to thank her. Her genuine happiness at my success reinforced that I had chosen the right advocate. Gina Reid does not just process exits - she cares about her clients and their outcomes. For anyone with a luxury timeshare they can no longer use or afford, Gina Reid is the professional you need.

The timeshare my parents purchased in 1989 had become a source of family conflict for decades. As my parents aged and stopped traveling, the question of who would pay the maintenance fees created tension among the siblings. None of us wanted the timeshare. All of us resented the obligation. Family gatherings inevitably devolved into arguments about this unwanted inheritance. When my father passed away, the timeshare transferred to my mother. None of us children were willing to accept it after her passing. The thought of this burden continuing to divide our family for another generation was unbearable. We needed a solution that would end this once and for all. I took the lead in finding help and discovered Russell Smith at JP Mutual Management. From our first conversation, Russell understood that this was about more than money or contracts. This was about family harmony and ending a decades-long source of conflict. Russell worked with all four siblings, coordinating our involvement while respecting that we did not always agree on details. His diplomacy in managing family dynamics was as impressive as his professional expertise. He kept everyone informed without taking sides in our occasional disagreements about strategy. The $31,700 investment was split among the siblings, with Russell helping us structure the arrangement fairly. His suggestion for how to divide the cost actually resolved a disagreement that had been brewing among us about proportional responsibility. His outside perspective proved valuable in ways we had not anticipated. Throughout the process, Russell maintained separate communication with each sibling who wanted to stay involved, while also providing consolidated updates to the group. This flexibility accommodated our different communication preferences without creating confusion. The day our exit was confirmed, I organized a family video call to share the news. For the first time in years, we were all smiling about the timeshare topic. The source of our conflict was finally gone. Russell Smith had not just exited a timeshare - he had helped heal our family. We still disagree about plenty of things, as families do. But the timeshare is no longer one of them. That peace is worth more than any amount of money.

When I started looking for timeshare exit help, I created a spreadsheet comparing every company I researched. I tracked their online reviews, their BBB ratings, their years in business, and the specific claims they made during initial consultations. By the time I finished, JP Mutual Management and Chad Jacobelli stood clearly above the rest. What set Chad apart was the specificity of his information. Other companies spoke in generalities about their success rates and methods. Chad provided details: how many exits he had completed for my specific resort chain, what strategies had worked best, what timeline I should realistically expect. His answers suggested genuine expertise rather than rehearsed sales pitches. The $36,400 investment was at the higher end of quotes I received. But Chad explained exactly why: his approach involved more intensive documentation, more persistent follow-up, and more comprehensive legal review than cheaper alternatives. He helped me understand the difference between budget services that often fail and premium services that deliver results. Throughout the process, Chad's communication was exemplary. I received written updates every two weeks summarizing all activities and next steps. Phone calls happened on schedule. Emails were answered within 24 hours. For someone who values organization and reliability, Chad's systematic approach was deeply reassuring. The process took time, as Chad had warned. But there were no surprises, no unexpected delays, no sudden demands for additional payment. Everything happened exactly as Chad had outlined during our initial consultation. That consistency built trust throughout the process. The day my exit was confirmed, I updated my spreadsheet one final time. Chad Jacobelli had delivered exactly what he promised, exactly how he said he would. My analytical approach to selecting him had been vindicated completely. For anyone who, like me, believes in doing thorough research before major decisions: do your research on Chad Jacobelli. You will reach the same conclusion I did.

I never imagined I would be writing a review like this. For twelve years, my husband and I were trapped in what felt like a never-ending cycle of maintenance fees, special assessments, and broken promises from our timeshare resort. Every January, that bill would arrive like clockwork, and every January, my stomach would drop. We had tried everything - calling the resort, speaking with their exit program, even consulting with two different law firms who took our money and delivered nothing. When I first heard about JP Mutual Management through a friend whose sister had successfully exited her timeshare, I was skeptical. After being burned so many times, trust was not something I gave easily. But from my very first conversation with Chad Jacobelli, something felt different. He didn't make grandiose promises. He didn't pressure me. He simply listened to our story, asked thoughtful questions about our specific situation, and explained exactly what the process would look like. What struck me most was Chad's honesty about timelines. Other companies had promised us results in weeks. Chad told us it would likely take several months, possibly longer depending on how the resort responded. That honesty, painful as it was to hear, was exactly what we needed. No more false hope. Just realistic expectations and a clear path forward. The $34,500 we paid was significant - I won't pretend otherwise. But when I calculated what we had already spent on maintenance fees over the years, what we would continue to spend for the rest of our lives, and what we had wasted on companies that failed us, the math became crystal clear. This wasn't an expense. It was an investment in our freedom. Throughout the process, Chad kept us informed without overwhelming us. Monthly calls, email updates when there was news, and always - always - he returned our calls the same day. After years of being ignored by other companies, this level of responsiveness felt almost surreal. The day the final confirmation arrived, I sat at my kitchen table and cried. Not sad tears, but the kind that come from releasing years of stress and frustration. We were finally free. No more January dread. No more feeling trapped. My husband and I have already booked two trips to places we actually want to visit, on our own terms, without the shadow of timeshare obligations hanging over us. If you're reading this and feeling the same desperation we felt, please know that there is a way out. Chad Jacobelli and the team at JP Mutual Management gave us our freedom back. That's not something I say lightly, and it's not something I'll ever forget.

When I tell people that I paid $32,400 to exit my timeshare, they often look at me like I am crazy. But when I explain what Russell Smith at JP Mutual Management actually delivered, their skepticism turns to understanding. My timeshare nightmare began in 2011 during a vulnerable period in my life. I had just gone through a divorce and was treating myself to a solo vacation to rebuild my confidence. The sales team at the resort saw an easy target, and I fell for every word. By the time I left that presentation, I had signed away thousands of dollars annually for a property I would barely use. For over a decade, I tried every avenue to escape. I called the resort repeatedly, only to be transferred endlessly or disconnected. I hired a local attorney who took my retainer and accomplished nothing. I even tried to sell my ownership on eBay for one dollar - no takers. The frustration was overwhelming. Finding Russell Smith felt like finding a life raft after years of drowning. From our first conversation, I knew I was dealing with a professional who genuinely understood my situation. Russell did not make empty promises. He laid out exactly what the process would involve, how long it might take, and what obstacles we would likely face. The $32,400 investment included everything - no hidden fees, no surprise charges, no additional costs that appeared later in the process. Russell was transparent about pricing from the very beginning, which was a refreshing change from every other company I had dealt with. What set Russell apart was his persistence. When the resort stonewalled, Russell pushed back. When they claimed my contract was ironclad, Russell found the cracks. When they tried to delay indefinitely, Russell knew exactly how to escalate. His expertise was evident in every interaction. The day my exit was confirmed, I felt a weight lift that I had been carrying for twelve years. No more annual dread when the maintenance fee notice arrived. No more guilt about paying for something I never used. No more wondering if I would ever escape. Russell Smith delivered exactly what he promised. That is worth every penny.

I am a single mother of three who made the mistake of purchasing a timeshare during a moment of weakness on what was supposed to be a stress-free vacation. The sales team caught me at a vulnerable moment, painted beautiful pictures of future family vacations, and convinced me to sign before I had time to think it through. That decision haunted me for eight years. The maintenance fees ate into money I desperately needed for my children. Every year, I had to choose between the timeshare payment and things my kids actually needed. The guilt of that choice was overwhelming. I knew I had made a mistake, but every attempt to fix it had failed. When I found Chad Jacobelli at JP Mutual Management, I was honest about my situation from the first conversation. I told him I was a single mom, that money was tight, and that I had been burned before by companies making empty promises. His response surprised me. Chad spent extra time explaining his process in detail, making sure I understood exactly what I would be getting for my investment. He offered a payment plan that fit my budget. He provided references from other clients in difficult financial situations. He treated me with dignity and respect, never making me feel foolish for having purchased the timeshare in the first place. The $29,300 total was paid over time in manageable installments. Chad never pressured me for faster payment or added late fees when I occasionally needed an extra week. His flexibility with payment showed that he genuinely cared about helping people like me, not just closing deals. Throughout the process, Chad kept me informed without overwhelming me. He understood that I was managing a lot already and did not need unnecessary stress. His updates were clear, concise, and always reassuring. The day my exit was confirmed, I cried tears of relief. The burden that had weighed on me for eight years was finally lifted. My children would no longer go without because of my mistake. Chad Jacobelli gave my family our freedom back. I am grateful beyond words.

Three years ago, I paid another company $12,000 to exit my timeshare. They strung me along for eighteen months before admitting they could not help me. By the time I found Russell Smith at JP Mutual Management, I had lost money, lost time, and nearly lost hope. What convinced me to try again was the specificity of Russell's approach. The previous company had made vague promises about their proprietary methods. Russell explained exactly what he would do, why he believed it would work, and what had likely gone wrong with my previous attempt. His analysis was detailed and credible. The $46,800 investment was painful on top of what I had already lost. But Russell helped me understand why my case was complex and why it required more intensive handling than a typical exit. He was honest about the challenges and realistic about the timeline. After the false promises of the previous company, this honesty was actually reassuring. Russell's approach was methodical and persistent. He maintained pressure on the resort through multiple channels simultaneously, never allowing them to simply ignore the situation as they had with my previous company. His experience with resistant resorts was evident in how quickly he adapted to each of their delay tactics. What impressed me most was Russell's stamina. When the process stretched longer than initially hoped, he never suggested giving up or accepting a partial resolution. He was committed to achieving the full exit I had paid for, and he ultimately delivered. The day my exit was finally confirmed, I reflected on the journey. Yes, I had lost money and time with the first company. But Russell Smith ultimately succeeded where they had failed. The total cost was painful, but the result was worth it. If you have been burned before, I understand your hesitation to try again. But Russell Smith is different. He succeeds where others fail. Give him the chance to prove it.

Our journey with luxury timeshare ownership began twenty years ago when my husband and I purchased at a prestigious Ritz Carlton property. At the time, it seemed like the ultimate vacation investment - access to world-class resorts, the prestige of ownership, and the promise of a lifetime of beautiful memories. For many years, that promise held true. But circumstances change. As we entered our sixties, our travel preferences evolved. The week we owned no longer aligned with when we wanted to travel. The destinations we dreamed of visiting were not part of the exchange network. And the maintenance fees, which had seemed reasonable two decades ago, had grown to nearly $4,000 annually - a significant burden on our retirement income. When I began researching exit options, I was overwhelmed by the horror stories online about fraudulent companies preying on desperate timeshare owners. I almost gave up before I discovered JP Mutual Management and, specifically, Gina Reid. From our very first conversation, Gina demonstrated a level of professionalism and expertise that set her apart. She understood the nuances of luxury timeshare ownership - the different considerations that apply to premium properties versus standard resorts. She had specific experience with Ritz Carlton exits and knew exactly what to expect from that particular organization. The $41,500 we invested was substantial, but Gina helped us understand why luxury property exits require more specialized handling and often higher investments. She was transparent about costs, timelines, and potential challenges from the beginning. There were no hidden fees or surprise expenses along the way. What impressed me most about Gina was her personal attention to our case. She returned calls promptly, often the same day. She remembered details about our situation without having to review notes. She made us feel like valued clients, not just another file on her desk. When the resort initially pushed back on our exit request - as Gina had predicted they would - she was prepared with a strategic response. Her knowledge of how luxury resort companies operate gave us a significant advantage in negotiations. The day our exit was confirmed, Gina called us personally to share the news. I could hear genuine happiness in her voice. This was not someone simply closing another case; this was someone who truly cared about the outcome for her clients. We have already recommended Gina Reid and JP Mutual Management to three friends with similar situations. All of them have been equally impressed with the service they have received. If you are a luxury timeshare owner looking for an exit, you will not find a more capable or caring advocate than Gina Reid.

The St. Regis timeshare we purchased in 2014 was supposed to be the crown jewel of our vacation life. The property was stunning, the service impeccable, and the sales team assured us that ownership would only appreciate in value. We left that presentation feeling like we had made one of the smartest decisions of our lives. Reality set in slowly. The maintenance fees increased annually, far outpacing inflation. The special assessments became a regular occurrence, each one explained away as a necessary investment in property improvements. By 2022, we were paying over $5,500 annually for a week we had used only twice in the previous five years. When I first tried to exit through the resort's own programs, I was met with a series of bureaucratic obstacles that seemed designed to frustrate rather than assist. Calls went unreturned. Forms were lost. Requirements kept changing. After two years of trying to navigate their system, I had made zero progress. A colleague at work mentioned that his sister had successfully exited a luxury timeshare through JP Mutual Management, working specifically with Gina Reid. Given how many false starts I had experienced, I was skeptical but desperate. My first call with Gina changed everything. She had specific experience with St. Regis properties and understood exactly why my attempts to work with the resort directly had failed. "They make it difficult on purpose," she explained. "But there are strategies they cannot ignore when approached correctly." The $44,700 fee was the highest quote I had received from any exit company. But Gina explained that luxury resort exits require more specialized handling and often longer timelines than standard properties. She was transparent about why her services cost what they did and what that investment would accomplish. What followed was a masterclass in professional advocacy. Gina knew exactly which departments to contact, which documentation to prepare, and which legal frameworks to reference. She anticipated objections before they arose and had responses ready for every delay tactic the resort attempted. Throughout months of negotiation, Gina kept me informed without overwhelming me with details I did not need. She handled the stress of dealing with a resistant resort organization so that I did not have to. When frustration threatened to overwhelm me, she reminded me that we were making progress even when it did not feel that way. The day my St. Regis exit was confirmed, I experienced a level of relief I had not felt in years. No more annual fee anxiety. No more watching my credit card get charged for a property I could not use. No more feeling trapped by a decision I made almost a decade ago. Gina Reid is exceptional at what she does. If you own a luxury timeshare that has become a burden, she is the person you want in your corner. The investment is significant, but the freedom she delivers is priceless.

After being scammed by two different timeshare exit companies over the past five years, I had completely given up hope. The first company took $8,000 and vanished. The second seemed legitimate for a few months before they stopped returning calls and emails. By the time I found JP Mutual Management, I was convinced that every company in this industry was a fraud. My daughter finally convinced me to try one more time after she researched JP Mutual extensively. She scheduled the initial call with Chad Jacobelli and sat beside me during the entire conversation, taking notes and asking questions I was too defeated to think of. What struck both of us immediately was how different Chad's approach felt. He didn't promise quick results. He didn't pressure us for an immediate decision. Instead, he spent over an hour explaining exactly how the process worked, what obstacles we might encounter, and why previous attempts had likely failed. His honesty about the challenges ahead was actually reassuring - finally, someone was being straight with us. The $28,500 investment was difficult to justify after losing money twice before. But Chad offered something the other companies never had: a detailed written agreement explaining exactly what services we would receive and what outcomes we could expect. There were no vague promises, just clear commitments. Throughout the months that followed, Chad proved that our trust was well-placed. He called when he said he would call. He provided written updates summarizing each conversation. When obstacles arose, he explained what they meant and how he planned to address them. For someone who had been lied to repeatedly, this transparency was healing. The day our exit was confirmed, I broke down in tears. Not just from relief, but from the realization that honest professionals do exist in this industry. Chad Jacobelli restored my faith in humanity as much as he freed me from my timeshare. My daughter and I have already referred four family members to him, and all of them are now clients.

There was a moment last year when I sat at my kitchen table staring at yet another maintenance fee increase notice and seriously considered just stopping payment entirely. Let them come after me, I thought. Anything would be better than this endless cycle of fees for a property I couldn't use, couldn't sell, and couldn't give away. My daughter talked me out of that decision. She had researched what happens when you default on timeshare payments - the credit damage, the collection calls, the potential legal action. Instead, she found JP Mutual Management and scheduled a consultation for me as a birthday gift. I was skeptical when Russell Smith called. I had spoken with timeshare exit companies before, and they all sounded the same - big promises, vague timelines, and pressure to sign immediately. Russell was different from his first words. He asked questions and listened to my answers. He took notes. He made me feel like my situation mattered, not just as a potential sale, but as a real problem that needed solving. The $36,500 fee was structured in a way that made it manageable. Russell offered a payment plan that spread the cost over several months, which made a significant difference for my budget. There were no hidden fees, no interest charges, just a straightforward agreement that I could afford. What impressed me most about Russell was his knowledge of my specific resort chain. He had handled numerous exits from the same company and knew exactly what to expect at each stage. When the resort responded with their standard rejection letter, Russell wasn't surprised. "This is step one of their playbook," he explained. "Here's how we respond to move to step two." Having that expertise - someone who had navigated this exact path before - gave me confidence that we would eventually succeed. And we did. After several months of strategic communication and negotiation, the resort finally agreed to release me from my contract. The day that confirmation email arrived, I called my daughter first. She had been the one who found JP Mutual Management. She had been the one who believed there was a way out when I had given up hope. We both cried on the phone together. I am now free from the burden that had hung over me for more than a decade. I can plan my retirement without the shadow of perpetual fees. I can sleep at night without dreading the next special assessment. Russell Smith and JP Mutual Management gave me back my peace of mind. That gift is worth more than I can express.

I consider myself a demanding client. In my career as a hospital administrator, I have worked with vendors and consultants of every kind, and I have high expectations for professionalism, communication, and results. Gina Reid at JP Mutual Management exceeded every expectation I brought to our engagement. Our timeshare at the Peninsula was purchased during a celebration trip for my husband's retirement. We had grand plans for annual luxury vacations that would fill our golden years with beautiful memories. What we did not anticipate was my husband's Parkinson's diagnosis three years later, which gradually made travel impossible. The timeshare became a painful reminder of the future we had planned but would never have. The annual maintenance fees, now approaching $5,000, were an insult added to injury. We needed to exit, but every avenue we tried led to dead ends. Finding Gina Reid felt like finally reaching the right person after years of wrong numbers. From our first conversation, she demonstrated the professionalism I expect from any service provider - prompt callbacks, clear communication, thorough documentation of everything discussed. But she also showed something I did not expect: genuine compassion for our situation. Gina understood that our timeshare exit was not just about money. It was about closing a chapter, about accepting changed circumstances, about moving forward without the burden of what might have been. She treated our case with sensitivity while maintaining the professional rigor needed to achieve results. The $43,100 investment was significant, but Gina helped me understand it in context. She calculated what we would continue to pay over the years if we did nothing, factoring in likely fee increases. She explained why Peninsula exits require specialized handling. She was transparent about every aspect of pricing. Throughout the process, Gina's communication was exemplary. Status updates arrived on schedule. Questions were answered promptly and thoroughly. When obstacles arose, she explained them clearly and outlined her strategy for addressing them. I always knew exactly where we stood. When the confirmation of our exit arrived, I called Gina to thank her. She expressed genuine happiness for us and asked about my husband's health. That personal touch, that authentic care, is what separates JP Mutual Management from every other company in this industry. Gina Reid is a consummate professional who also happens to be a genuinely good person. I recommend her without reservation.

My journey with timeshare ownership began in 2008 during what was supposed to be a dream vacation in Orlando. The sales presentation was masterful - they made it seem like we were getting an incredible deal on future vacations. What they didn't explain clearly was the perpetual nature of the contract, the escalating fees, or how difficult it would be to ever get out. For fifteen years, I watched my maintenance fees climb from an already-painful amount to something that now consumed a significant portion of my monthly budget. I'm a retired teacher living on a fixed income. Every dollar matters. And yet, year after year, more and more of those dollars went to a timeshare I hadn't used in over a decade. I found JP Mutual Management through hours of online research. I read every review I could find, looked up their business registration, and even called the Better Business Bureau. After being scammed once before by a company that promised exit services and disappeared with my money, I wasn't taking any chances. My first call with Chad Jacobelli lasted over an hour. He didn't rush me. He answered every question, even the ones I'm sure he had answered a thousand times before. What impressed me most was that he actively discouraged me from making an immediate decision. "Take your time," he said. "Do your research. If we're the right fit, we'll be here when you're ready." That approach was so different from every other sales experience I'd had with timeshare-related companies that I knew I was dealing with something legitimate. The total cost of $38,900 was paid over an extended period, which JP Mutual offered without any additional fees or interest. This flexibility made it possible for me to move forward when a lump sum would have been impossible on my retirement income. Chad managed every aspect of the exit with professionalism and expertise. There were moments when the resort pushed back, but Chad had seen it all before. His calm, methodical approach eventually wore down their resistance. When the final documentation arrived confirming our exit, I felt a weight lift that I had been carrying for so long I had forgotten what life felt like without it. I've already referred three friends to Chad Jacobelli. All of them are now working with JP Mutual Management, and all of them have thanked me for the introduction. If my experience can help even one more person find their way out of timeshare ownership, then writing this review was worth every minute.

I am a seventy-three-year-old widow living on Social Security and a modest pension. My late husband and I purchased our timeshare in 1998, back when the fees were reasonable and we were young enough to travel frequently. After Harold passed in 2019, the timeshare became nothing but a painful reminder and a financial drain. I tried to give it away. I listed it for free on multiple resale sites. I contacted the resort about their take-back program, only to be told I did not qualify. I even asked my children if any of them wanted it - they all said no, having watched us struggle with it for years. I was trapped, and at my age, the stress was affecting my health. My granddaughter found JP Mutual Management during her own research and set up a call with Chad Jacobelli on my behalf. She was on the line with me during that first conversation, and later told me it was the first time in months she had heard hope in my voice. Chad was gentle and patient in a way that the aggressive timeshare salespeople never were. He understood that $41,200 was a significant amount for someone in my situation and helped me understand the payment options available. More importantly, he helped me calculate what I would continue to pay in maintenance fees for the rest of my life if I did nothing. That number was staggering. Throughout the process, Chad treated me with respect and compassion. He never made me feel foolish for having purchased the timeshare in the first place. He explained every step in terms I could understand. When I had questions, he answered them patiently, no matter how many times I asked. The day my exit was confirmed, I called my granddaughter first. We both cried. Harold and I had dreamed of leaving our children an inheritance, not a burden. Thanks to Chad Jacobelli, that dream is now possible. The timeshare obligation died with Chad's help, not with me. I may not have many years left, but I will spend them free from the stress that timeshare brought into my life. Chad Jacobelli gave me that gift, and I will be forever grateful.

As a consumer advocate by profession - I spent thirty years with the state attorney general's office - I have seen every scam and deceptive practice imaginable. When my wife and I needed to exit our Auberge timeshare, I approached the search for help with the wariness that decades of consumer protection work had instilled in me. Most of the companies I contacted raised immediate red flags. Pressure tactics. Vague promises. Reluctance to provide written documentation. Everything I had trained others to watch for, I saw in abundance. I was about to give up when a colleague mentioned JP Mutual Management and specifically recommended Gina Reid. My first conversation with Gina was unlike any other I had experienced. She welcomed my skepticism. She provided documentation for every claim without being asked. She explained her process in detail and was transparent about costs, timelines, and potential obstacles. Everything a legitimate business should do, she did without prompting. What impressed me most was Gina's response when I asked difficult questions. Most salespeople become defensive or evasive when challenged. Gina became more detailed, providing additional documentation and references to support her answers. Her confidence came from competence, not bluster. The $39,800 investment was explained thoroughly. Gina broke down exactly what the fee covered, why Auberge exits require specialized handling, and what I should expect at each stage of the process. There were no hidden fees, no surprise charges, no fine print that contradicted the sales pitch. Throughout the process, Gina demonstrated the professionalism I had spent my career teaching others to look for. Clear communication. Written documentation of all agreements. Prompt responses to questions. Proactive updates on progress. She ran her practice exactly as I would advise any legitimate business to operate. When my exit was confirmed, I felt both relief and validation. Relief that our timeshare burden was finally lifted. Validation that my instincts about Gina had been correct. I spent thirty years protecting consumers from scams. Gina Reid is the opposite of everything I fought against. She is a true professional who delivers exactly what she promises. I recommend her with the full weight of my professional experience behind that endorsement.

I worked with this company for approximately 3 months to complete my timeshare transfer. The initial consultation took about 2 weeks, during which they reviewed my ownership documents and explained their 3-phase process in detail. Communication dropped significantly after the first month. Despite multiple attempts to get updates, I often went 3 weeks without hearing anything. The process took 3 months instead of the 5 months they initially quoted. I'm still waiting for resolution after 3 months and have filed complaints with the BBB. Total cost: $2200 (higher than the initial quote of $1300). I cannot recommend this company based on my experience.

I worked with this company for approximately 15 months to complete my timeshare deed-back. The initial consultation took about 1 weeks, during which they reviewed my ownership documents and explained their 4-phase process in detail. Phase 1 involved document collection and contract analysis, which was thorough and professional. Phase 2 was the negotiation with the resort, where my case manager kept me informed throughout. The team communicated regularly via email and phone calls. The final phase involved signing release documents and waiting for resort confirmation. I received my official release letter 3 weeks after the paperwork was submitted. Total cost: $3800 (as quoted). I would recommend this company to others in similar situations.