Consumer Rights — Alpha Timeshare Consultants

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Consumer Rights Assessment

Check each violation that applies — each one incurs separate fines against the resort

Client

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Resort

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Monthly / Yearly

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Quote / Stage

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Check each violation that applies. Each violation is a separate fine. Fine amounts shown only when checked.

Violations

Fine Exposure

Right to Be Heard

Violation	Statute	Fine
You were not given adequate time to review contract documents	TILA §128, RESPA §4	$50,000
High-pressure sales tactics prevented informed decision-making	FTC Act §5, UDAP	$40,000
Cooling-off period (rescission rights) was not properly explained	TILA 15 U.S.C. §1635	$75,000
Rescission notice was buried or not separately disclosed	Reg Z §226.23	$50,000

Right to Safety

Violation	Statute	Fine
Contract contained unconscionable terms not explained verbally	UCC §2-302, State UDAP	$35,000
Sales presentation lasted beyond normal hours under pressure	FTC Act §5	$25,000
Physical or emotional pressure used to obtain signature	State Consumer Protection	$45,000

Right to Choose

Violation	Statute	Fine
Told property could be resold or transferred easily — false	FTC Act §5, State UDAP	$50,000
No secondary market exists — never disclosed	FTC Act §5	$40,000
Exit options were misrepresented or hidden in contract	TILA, State Contract Law	$35,000
Perpetual nature of obligation was not clearly disclosed	State Contract Law	$60,000

Right to Be Informed

Violation	Statute	Fine
Annual maintenance fee increase rate was not disclosed	TILA §128, State UDAP	$55,000
Total cost of ownership over contract life was not shown	TILA §128	$75,000
Investment value claims were made without factual basis	FTC Act §5, SEC regs	$100,000
Points/credits system explained differently than contract states	TILA, State UDAP	$45,000
Special assessments possibility was not disclosed	State Condo/HOA Law	$35,000
Financing terms and total interest cost were not clearly disclosed	TILA §128, Reg Z	$80,000

📋 This report goes directly to the resort

Every checked violation becomes part of the group filing. The more documented, the stronger the case — and the faster the settlement.