Attorney Preparation Document
Ownership Harm & Compensation Analysis
A structured record of financial exposure, usage loss, and client impact — prepared for attorney review
01
Ownership History
Auto-filled from vitals — verify with client
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02
Estimated Financial Exposure
Mortgage capped at 10-year maximum · MTF calculated as average over ownership period using 6% annual growth
03
Usage Value Analysis
"Just so I understand — what were you promised, and what did you actually get?"
06
Client Impact & Damages Documentation
Non-financial harm assessment — 32 questions across 7 categories — document in client's own words for attorney review
The impact of a timeshare dispute isn't only measured in dollars. Attorneys need your story — how this affected your credit, your peace of mind, your daily life, and your future. Select each area that applies, then document in the client's own words.
Emotional & Mental Stress
How has this situation affected your overall peace of mind over the years?
↳ "Tell me more about that. How long have you felt this way?"
Emotional & Mental Stress
Would you say this situation has caused you stress or anxiety? How often does it come up?
↳ "What does that feel like? Is this something that comes up regularly?"
Emotional & Mental Stress
Have you ever lost sleep worrying about this situation or what they might do next?
↳ "How often? What were you afraid of?"
Emotional & Mental Stress
Do you feel trapped or stuck because of this? Why?
↳ "How has that feeling affected your daily life?"
Emotional & Mental Stress
Do you ever feel frustrated or helpless dealing with this situation?
↳ "What has been the hardest part of dealing with this?"
Emotional & Mental Stress
Has this been something that's constantly in the back of your mind?
↳ "How long has this been weighing on you?"
Credit Damage & Financial Reputation
How has this situation affected your credit score over the past few years?
↳ "Have you seen your score drop because of this account?"
Credit Damage & Financial Reputation
Has the damage to your credit prevented you from doing anything important — buying a car, a home, getting a loan?
↳ "Have you been denied anything because of this showing on your credit?"
Credit Damage & Financial Reputation
How frustrating is it to see this continue to impact your financial reputation even though you want to move on?
↳ "What has it cost you to have this on your record?"
Credit Damage & Financial Reputation
Has this situation caused you to rely on credit or other debt in ways you otherwise wouldn't have?
↳ "How has that affected your overall financial situation?"
Credit Damage & Financial Reputation
If this continues, how do you see it impacting your financial future long-term?
↳ "What are you most concerned about?"
Ongoing Harassment & Pressure
How often do they contact you about this — calls, letters, notices?
↳ "Would you describe their contact as stressful or overwhelming?"
Ongoing Harassment & Pressure
Have they continued reaching out even after you stopped engaging?
↳ "How long has this been going on?"
Ongoing Harassment & Pressure
Do you feel like they are intentionally trying to pressure or wear you down?
↳ "What has that been like for you mentally?"
Ongoing Harassment & Pressure
How has dealing with their calls or notices affected your day-to-day life?
↳ "What does it feel like when you see their number or a letter from them?"
Ongoing Harassment & Pressure
Does it bother you that this keeps following you even though you want to be done with it?
↳ "How long has it been since you stopped engaging and they still won't stop?"
Lifestyle & Family Impact
Has this situation prevented you from taking vacations or experiences you actually wanted?
↳ "What did you miss out on?"
Lifestyle & Family Impact
Do you feel like you have been paying for something you do not use or enjoy?
↳ "How does that make you feel knowing money went toward something with no benefit?"
Lifestyle & Family Impact
Has this limited your ability to spend money on your family, your kids, or your personal priorities?
↳ "What would you have done with that money instead?"
Lifestyle & Family Impact
Have you avoided travel or vacations altogether because of the stress or cost related to this?
↳ "How has that affected your quality of life?"
Lifestyle & Family Impact
Has this situation caused stress or conflict within your family or household?
↳ "How did your family experience this with you?"
Sales Misrepresentation & Regret
Do you feel like everything was fully explained to you at the time you signed?
↳ "What was left out or misrepresented?"
Sales Misrepresentation & Regret
Were you told anything during the sales process that turned out not to be true?
↳ "Can you describe exactly what was said to you?"
Sales Misrepresentation & Regret
If you had known what you know now, would you have signed?
↳ "What was the one thing that made you sign that you now regret?"
Sales Misrepresentation & Regret
Did you feel pressured or rushed during the sales presentation?
↳ "Were there any tactics used that you feel were unfair or dishonest?"
Fear of Foreclosure & Legal Consequences
How concerned are you about them eventually forcing foreclosure or escalating legally?
↳ "What worries you most about where this could lead?"
Fear of Foreclosure & Legal Consequences
Does the uncertainty of not knowing what they might do next bother you?
↳ "How has living with that uncertainty affected you?"
Fear of Foreclosure & Legal Consequences
Have you thought about the long-term consequences of this staying unresolved?
↳ "What does the worst-case scenario look like to you?"
Fear of Foreclosure & Legal Consequences
How important is it to you to finally put a permanent and legal end to this?
↳ "What would it mean to wake up one day and know this is completely resolved?"
Long-Term Burden & Heir Concern
What concerns you most about being stuck with this long-term?
↳ "How do you see this affecting you five or ten years from now?"
Long-Term Burden & Heir Concern
Have you thought about what happens to this obligation as you get older or what it means for your heirs?
↳ "How does it feel knowing this could be passed on to your family?"
Long-Term Burden & Heir Concern
How much time and mental energy have you spent dealing with this resort over the years?
↳ "What would you have done with that time if this had never happened?"