From Desperation to Liberation

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.