Rhode Island Timeshare LawyersTimeshare Cancellation, Termination, Settlement,
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Timeshare Relief Attorneys
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Timeshare Relief Attorneys
Learn about your options.
See what you can save.
Contact Us Today.
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Our Timeshare Exit Team of Lawyers in Rhode Island Can Help You
Have You Fallen Behind on your Timeshare Payments?
If you have not made your payments, timeshare companies can be very aggressive with their collection efforts. They often sue to collect what is owed under their contract even if the company is not US-based, they will place your account for collections and mark your credit or send your file to a local lawyer to sue you. If you have been sued, we can help! If you have not been sued, it is always best to be proactive and seek help as soon as possible to help avoid being sued. If you do nothing once you are sued, a judgment will be entered against you which can lead to bank levies, liens against your property, or wage garnishments.
The timeshare company can force the sale of your timeshare and obtain a deficiency judgment against you for the balance owed after the sale. If you have already tried to sell your timeshare, you probably realize they are virtually worthless (if you have not attempted to sell and want to try to as a way to explore every option – DO NOT USE A RESALE LISTING COMPANY – they are rip-offs). There are hundreds of timeshares for sale on the internet at any given moment for $1.00 or less that do not even sell. You can’t even give a timeshare away these days. This all means, when the timeshare company does eventually force the sale of your timeshare, very little if anything will be applied to the balance owed, leaving you with a significant balance you’ll have to take care of. If you are behind on your payments, do not wait to get help. Call for a free consultation so one of our timeshare lawyers can discuss the best exit strategy for your timeshare divestment.
If you are either researching how to get rid of a timeshare legally or are seeking timeshare relief after buying a timeshare you can no longer afford, our team of timeshare exit attorneys can help you cancel your timeshare, saving you thousands of dollars in the process. Timeshare contracts, like all contracts, are legally binding, but that doesn’t mean that you are stuck in the contract forever. Finding legal ways to break you out of your contract is precisely what good attorneys are for. Whether you were deceived, didn’t know how to tell the high-pressure salesperson that you were not interested, or just can no longer afford to pay for your timeshare, our timeshare relief lawyers could help you get rid of your timeshare contract – legally!
Our timeshare lawyers can help determine which of your consumer rights were violated by the use unfair and deceptive sales practices for the financial gain of the salesperson and the company they represented and can then help you cancel the timeshare contract.
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ONLY PAY IF WE SUCCEED
ATTORNEYS IN ALL 50 STATES
Do You Recognize any of theses Deceptive Sales Tactics?
- Were you given gifts or money to go to a timeshare sales presentation?
- Were you told your presentation would only take as hour or two but it took much longer?
- Were you told a timeshare is a better value than paying for a vacation each year?
- Were you told a timeshare is an investment opportunity that will increase in value?
- Were you told It’s easy to rent or sell your timeshare to another party?
- Were you told you could cancel your timeshare contract at any time?
- Were you told the price offered was specific to you and only useful if you purchase by a particular time?
- Were you showed much more luxurious accommodations on your sales presentation than you received when booking time?
- Were you told it would be easy to use your timeshare?
- Were you told you would always have availability on the dates you wanted?
- Were you told you’d be able to use your timeshare to vacation anywhere at any time with a point system? Multiple timeshare companies have been sued for renting out allocated member timeshares to the general public as it is more profitable for them to do so and to keep your maintenance fees too. This means you may be promised there will be availability but will most likely not be able to book when you want.
Did a timeshare salesperson fail to disclose ANY of the following Material Facts or Disclosures?
- Timeshares should not be purchased with the intent to resell – you will most likely not be able to sell when you try.
- Timeshares should not be purchased as an investment – an investment would imply a potential to make money on your purchase. To reiterate the above bullet point, you will not likely be able to sell your timeshare, and if you do, you will take an enormous loss. Timeshares are the further possible thing from an actual investment.
- Timeshare companies may do repairs without your consent, and you are responsible for the costs – this is hugely relevant lately given the recent hurricane damage in many Caribbean timeshares. Many resorts that are old are being updated, and the owners are paying for it.
- Timeshare maintenance fees will continue to increase over time – not only are costs rising, but the profitability of your timeshare company can be linked to your increased fees. When they lose money, they charge higher fees. When others don’t pay, their costs may be passed onto you as well, and the rate of non-payment has been increasing over time.
- Timeshare responsibility will be passed on to your heirs – this is why your timeshare comes with a deed, for property tax purposes which are linked to inheritance laws which is why your heirs are forced to take over the responsibility.
- Timeshare contracts are subject to change at any time without your consent – the contract typically gives the timeshare company the right to add to, modify, and delete benefits and services.
- Timeshare contracts cannot be canceled without legal assistance
Our Timeshare Lawyers Can Help You Cancel After Your Rescission Period
If you are still within the time frame of the “Rescission Period,” you may be able to cancel the agreement and get back any deposits you paid (actually getting a hold of someone at the timeshare company to help you is a different story). Once the rescission period has expired, you can still cancel or terminate the contract, but it is more difficult to do.
Our timeshare lawyers have successfully helped many people either cancel or, terminate and settle their timeshare contracts legally. We offer free consultations, and unless we have to sue the timeshare company, we only charge a fee if we are successful – so you have nothing to lose with our experienced timeshare exit attorneys helping you.
Timeshare cancellation and release is a specific area of law in which we practice. If your rescission period has ended and you have either tried to sell or transfer your timeshare unsuccessfully or tried to terminate or cancel your contract to no avail, the best option may be for you to get a lawyer involved to show the timeshare company that you mean business.
We will protect your rights even without filing lawsuits and help you to get out of your timeshare contract – GUARANTEED – or you will not have to pay us a dollar! If litigation is needed, we charge low hourly rates which aren’t covered under the fee guarantee. We also offer bankruptcy as an alternative to negotiations and litigation.
“As hard as it is to spend more money on this, a solid lawyer with experience in dealing with timeshares and real estate foreclosures is going to be a good investment for you right now.” – Suze Orman (America’s most recognized personal finance expert: a two-time Emmy® award-winning television host, best-selling author, magazine columnist, writer/producer and motivational speaker).
How to Get Out of a Timeshare Contract Legally with our Timeshare Lawyers Across the US
Timeshare Relief Options Available to You:
Your best option in which we will help to void the timeshare contract in its entirety, including any fees associated with it – past, present, and even future payments not yet charged.
This option will end the timeshare contract so you would no longer be responsible for any new fees; however, you would still be liable for any charges incurred up to the date of termination.
If you have already terminated your contract and there is a balance owed or if you can no longer afford your timeshare, we can negotiate the payoff amount to a lower balance, saving you thousands.
The obligation to pay your timeshare can be discharged through filing either Chapter 7 or Chapter 13 Bankruptcy in which you would surrender your rights to the timeshare.
How Dramer Law Handles Our Timeshare Relief Cases
Read More by Expanding the Below:
Free Consultation, Fact Finding, & Financial Analysis
When you call our firm, we will want to know how and when your financial hardship began as well as what the current status is, to get a better understanding of what you are experiencing. Our staff is trained to ask the right questions to make sure that no stone in your financial picture goes unturned. Any representative that will speak with you will have a minimum of 10 years experience
We analyze your current financial situation including your assets and liabilities as well as your current cash flow, allowing us to narrow down our services more specific to what you can afford. This step is critical in any of our processes as we ensure that whatever service we recommend will be within your budget and therefore you’re more likely to succeed.
Full Disclosure, Recommendation, & Customization
There are multiple options for each problem we encounter so based on your analysis; we will then tailor fit the best option to the individual needs of your budget. We will explain in great detail all aspects of each process including the risks & fees – not just how much money you can save. Nothing will be hidden from you as we are a full disclosure law firm.
Our Relief Specialists are NOT Paid a Commission so there will be no sales pressure at our law firm. There is no obligation to retain our services. You will be given all the facts you need, and then you will be given plenty of time to think things over. Debt relief is an important decision, and we won’t rush you! We have worked hard over the years to earn the reputation we have by giving honest advice to those in need rather than the advice that benefits our bottom line!
Limited Power of Attorney & Authorization to Communicate
Lenders are Sent Notice of our Representation
Once retained, we immediately send our Limited Power of Attorney forms and all necessary documents, to your timeshare company and their collectors or attorneys in an effort to take over any phone calls you may be getting harassed with and to start the process of your Timeshare Release. Sending notice of representation is the first step in curbing any creditor or collector calls you may be receiving. We do not want you to be harassed – we’ll take over the calls for you.
The Fair Debt Collection Practices Act (FDCPA)
Once any third party servicer, debt collector, debt purchaser, collection attorney, foreclosure attorney, etc. receive our Limited Power of Attorney, they are obligated to contact us directly on your behalf. Failure to do so is a violation of the FDCPA, and we will sue them for you. There is no fee charged to you if we do not win your case, and if we do win, you can win up to $1,000 per violation, and the collector in violation will pay our attorney fees for you. It’s basically free money!
We Get the Job Done!
We are Incentivized to Perform
Our mortgage negotiation services are offered a fee structure as such that you pay part of the fee when retaining our firm and part of the fee only if we’re successful. The success fee helps ensure we are incentivized, so you’ll know we have your best interests in mind. We don’t benefit from getting you to hire our law firm, but instead, we benefit when we get the job done for you. You pay for our performance – and that’s what we do – we perform! We never agree to anything without first consulting with you and getting your approval. It is your debt and your money, so you have the final say in all of our negotiations
We Work Efficiently & Quickly
The combination of our experience, well-trained representatives, long hours, and state of the art software, allow us to accomplish more in any given day than most other firms only dream about. This can be said for ANY service we offer from negotiations to litigation to bankruptcy. We work quickly on your behalf as the longer you delay with a deed in lieu of foreclosure, the more fees your lender will charge. We will be in touch with you throughout the process to keep you informed and are available when you need us.
Are you looking for professional advice?
The Law Offices of Kenneth H Dramer PC has offices to serve the New York Tri-State area and through our network of Of Counsel Attorneys, we can help in many states throughout the country. If you are struggling with timeshare, give us a call to understand your options. Working with the assistance of a timeshare lawyer not only grants you protection against debt collection agencies but will also help to organize and explain the entire process so that you understand precisely how to proceed. There is absolutely no obligation, so don’t hesitate to give us a call at for your FREE CONSULTATION or visit our Contact Us page to learn how you can get out of your timeshare contract and return to a healthy financial future.
Let Us Help You!
Get Real Results from Our Timeshare Relief Services
Why Choose Dramer Law for Your Timeshare Relief Needs?
Debt is Our Specialty
Other companies and law firms offer relief – we specialize in it! We do not offer any services that aren’t strictly related with clients that are struggling financially so our clients have unique needs, compared to those of other law firms, that we can cater to. We offer all timeshare relief options and we service our clients like family. You should never settle for less than the best when trying to rid yourself of your unwanted timeshare.
Since our clients don’t have tons of money to spare like attorneys that practice in other areas of law, we charge low fees making our services affordable for anyone that needs help. Unless your case involves one of our attorneys having to go to court, our negotiation service fees are flat fee based not charged hourly.
One on One Client Service
All of our client relationships are One on One. You’ll have one individual client service representative that will be your point of contact and you’ll build a relationship with them so they’ll know exactly what you are going through. Aside from treating you with the upmost care possible, this means you won’t have to deal with multiple people and re-explain your situation to a different person each time you call. This saves time for you and eliminates any extra stress for you as time is money and being stress free is just as important as being debt free!
Client Service Response Time
All of our attorneys, paralegals, and negotiators are dedicated to providing the best possible experience, while achieving results. We are available long hours but should we happen to be unavailable for any reason we pride ourselves on returning calls and emails right away, not several days later like most attorneys.
Many companies do nothing for the high fees they charge. We have heard many horror stories. These companies aren’t proactive, they put no effort into negotiations, they don’t even return your calls let alone calls from collectors! These actions cause collectors to seek other measures to collect, often meaning lawsuits. We typically work repeatedly with the same companies and are known for resolving accounts so therefore have a great reputation with industry lenders and collectors. This benefits you when we contact these companies on your behalf, they know the accounts will get resolved and therefore we are usually able to avoid legal action!
Many times, when we successfully rid our clients of their timeshares, they still need assistance with other areas of their financial life. We offer many different services for those struggling with debts including Business Debt Relief, Consumer Debt Relief, Tax Relief, & Student Loan Relief. When Debt is the Problem – We Have the Answers!
The court proceedings were annulled, and agreeable working terms were consolidated with my creditors
I wouldn’t go anywhere else.
Very sharp and on point. Their price is very reasonable.
“Like most people bankruptcy never crossed our mind. My husband and I owed a lot of debt due to closing of our business, but we still tried to payoff debtors little by little. Until we got hit with a summons from the court ( for over 100K lawsuit). We research all over the internet and called many law firms and layers. Many of them ask what we want to do?.. We wouldn’t of call if we know what to do. And some offered hardship /debt relief or settle your debt for less.. no matter what you call it at the end you still have to pay the creditors, the debts collectors and the lawyer. In our case there is no way we can payoff everything. Many random phones calls later, we were fortunate to come acrossed Mike, he has explained to us bankruptcy doesn’t mean we will lose our house or car. As couple we are able keep certain amount of assets. We were also worried about our credit score, the bankruptcy record will stay in your record for 7 years ( our score were poor anyway). There aren’t that many reviews on the internet about them and like most people we’re not sure if we can trust them. Give Mike a call and a chance, his very sharp and on the point. Their price is very reasonable. Bankruptcy was the best choice we made and the cheapest way out. Now half year later we are debt free, no need to worry from phone calls from debts collectors. Get to keep our house and car, even our credit score went up. Don’t understand why we didn’t do it sooner I guess we were like a lot others going day by day try to be nice by paying off little by little. Thanks!” JC, Queens, NY. 7-7-2017
They were extremely professional and made the process easy
“The Law Offices of Kenneth H. Dramer P.C Attorneys at Law were efficient in handling by bankruptcy case. They were extremely professional and made the process easy! I highly recommend them.” – Jamie M. Seaford, NY 5-30-2017
They're highly recommended
It has been an absolute pleasure working with you
“I just wanted you to know it has been an absolute pleasure working with you. You never made me feel harried, pressured or overly anxious about paying off my bills. I wish everyone would be like that. Thank you again & i hope you don’t mind if i touch base with you the future, just to give you updates on how things are going. Be well.” Mary R. Bayshore, NY 4-30-2018
I would highly recommend Dramer Law for your debt settlement needs
“I would highly recommend Dramer Law for your debt settlement needs. A few years ago my husband and I had accrued entirely too much debt and no matter how hard we worked or how much we tried, we were unable to keep up with our bills and making the minimum payments was getting us nowhere. The best decision we could have made was to begin the debt settlement process. Most of the debt was in my name so I contacted Dramer Law . I have been extremely pleased with the efficient, attentive, reliable service provided by Michael Sininsky. I was initially hesitant to enter into any debt settlement program but now, without hesitation, I will say it was the best decision I could have made . From the initial consultation and throughout the entire process ,Michael patiently and fully explained everything. Any questions I had were addressed rapidly and any messages I left were returned promptly. I/we started out with $87,555.84 total debt and ended up paying back $26,020.71. That’s a savings of $61, 000.500 , or a 70% discount off our balances. I’m so happy we decided to go with Dramer Law and cannot thank Michael enough for all his hard work and professionalism. Any fees paid to Dramer Law were very fair and minimal compared to what I was paying to the credit card companies each month. Being debt free is such a relief- now we can move forward and put our money toward our kids college educations and save for our future.I am happy to recommend them and am so glad I contacted them a few years ago. Sincerely, Susan M.” Commack, NY 3-27-2018
We would highly recommend their services for debt reduction and settlement rate negotiations
Your promptness, efficiency, and trustworthiness have always been beyond my imagination.
“Thank you very much. Your promptness, efficiency, and trustworthiness have always been beyond my imagination. Perhaps I will be like that one day (in another life).” Peter L Valley Stream, NY 3-2-17
Thanks for being so helpful
Not only did you get me out of debt but you gave me a freedom that can’t be described.
Thank you so much for your help. I’ve said it once, and I’ll say it again – you are greatly appreciated!!
“When I initially called, I spoke to Mike. I want to say, he immediately put my mind at ease. He explained your retainer fee; that costs for filing papers; phone calls, and other incidentals, would be deducted from that fee and, if any fees were due at the end of the process, I would be liable for those additional fees. Mike was able to work with me, keep me calm and focused, and I have gone from being in foreclosure to NOT being in foreclosure!! I’m so relieved. Mike spent time communicating with me either by e-mail or phone. He kept me up-to-date about the process of this whole mess I got myself into and he was truly a comfort to me these past few months. I hope other staff in your office are as efficient and compassionate as Mike is. He’s truly an asset to your business. Mike – Thank you so much for your help. I’ve said it once, and I’ll say it again – you are greatly appreciated!!” – Susan F. Copaigue, NY. 6-13-16
I was very pleased…
I am very grateful….highly recommended
Very extremely effective in working with me to reduce my consumer debt
Excellent, excellent service. Highly recommended.
Please accept our gratitude for all your help
I’m very happy
“I think you and the company basically do a good job and I appreciate it. As I mentioned before the only thing is I’m interested to see when the payments I’ve made start showing up on my credit report as it’s still very low. Overall, though, I’m very happy.” Mike S. Baldwin, NY 8-3-15
I would highly recommend this firm to anyone going through financial difficulty and need good advice.
“I was so happy to have been represented by the law firm of Kenneth H. Dramer. They were so helpful at a very difficult financial time in my life. They advised me every step of the way through the difficult process of bankruptcy. If I had any questions or concerns they would answer any questions very quickly and patiently. I would highly recommend this firm to anyone going through financial difficulty and need good advise. ” Lillian L. Queens, NY 7-20-2015
I thank the company and Michael for giving me peace of mind at this point
Thank your law firm for helping us get out of debt and back on track
“To Whom It May Concern , We would like to thank Michael Sininsky and your law firm for helping us get out of debt and back on track . Michael was always professional and courteous as well as efficient . Any email or phone call was returned immediately with answers to each question or concern we had . We would like to say Michael Sininsky is an asset to your company . We were thankful that he had our account . Sincerely , Robert & Michele A. Whitestone, NY 5-25-2015”
I would like to express my gratitude
Thank you from the bottom of our hearts for all of your efforts in getting us through this!
“Dramer handled my case very professional. They were patient and very helpful with my case. Recommended!” Alex M. Floral Park, NY 12-24-14
Resolved a 15 year matter in 2 weeks unfroze our accounts and saved us more than we could of imagined
“I would like to open by saying how grateful I am to Michael Sininsky for helping me with my legal problem. I was beside myself when I spend a hit letter from an attorney who.informed me that I was in debt for a very large amount of money that was owed 15 years ago I thought the matter had been resolved through my divorce, but to.my dismay it wasn’t and had accrued an astronomical amount of late payments and finance charges, they froze our bank accounts , but through the expertise of Mr.Sininsky he resolved a 15 year matter in 2 weeks unfroze our accounts and saved us more than we could of imagined I recommend the Dramer Law firm highly and lifted a great deal of stress for us. sincerely Mr & Mrs. Vogel”, NY 12-15-14
We are so pleased with the results.I know we could not have been successful without their help
Getting Started is Easy…
Call Now for Your Free Consultation
Call today for your free consultation with an experienced member of our team who will ask the right questions to determine the best course of action. They will go over each option that will make sense for your situation and will be sure to discuss in detail the pros and cons of each.
See How Much Money We Can Save You
Each option will have its own savings potential. Keep in mind the greater the downsides a choice may have the greater the potential for savings. Our debt relief representatives will be sure you understand the cost benefits and will be sure to disclose our fees fully.
Retain Our Law Firm and Let the Savings Begin
Once retained, we waste no time in taking action. We will work quickly and efficiently to bring a successful resolution to your situation. You will be assigned a specific member of our team that will be in constant contact with you throughout the process.
Time is your enemy when it comes to timeshare termination and cancellation. It’s best to get help as soon as you realize you have a problem. There is no set path or direction one must take to get out of a timeshare contract. Each person’s concerns represent a unique situation that demands focused individualized attention. Whether you require cancellation, termination, settlement, litigation, help to file for bankruptcy, or help with any other debt-related problem, our relief lawyers take their time with you during the free consultation to explain the essential details of your situation and structure a course of action that will be most beneficial for you. So Don’t Delay – Get Help Today!
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*Individual results may vary based on consumer’s earnings, assets, and current mortgage loan situation. Our law firm does not assume or pay your mortgage, nor provide credit or tax advice about any forgiven amounts. Mortgage assistance does not obtain immediate repayment arrangements. Mortgage assistance is not available in all states.
*The Law Offices of Kenneth H. Dramer P.C. is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.
*Be wary of any company that tells you not to pay your mortgage loan as it may have a negative impact on your credit report and other consequences. For example, your mortgage loan may continue to accrue late fees and penalties; you also may receive calls from your lender and/or their collectors, you could even be sued for non-payment. If your lender obtains a judgment against you, then you may lose your home. Make sure you choose a company that explains the benefits and consequences of each mortgage relief option.
*The information provided on this site is for general information and educational purposes only. The information presented should not be considered legal advice, and should not be misconstrued as such, and should most definitely not be acted upon without first consulting with an attorney. The information is subject to change without notice. Consult a debt relief lawyer licensed in your jurisdiction for specific advice.
*We provide Debt Relief services and are a debt relief agency, as defined by the U.S. Congress. We proudly assist people filing for bankruptcy relief under the Bankruptcy Code as well as various other services to help avoid bankruptcy.