If an owner stops paying the loan, the lender can begin proceedings to obtain the money – in some cases involving the legal process. Owners thinking about not paying on their Wyndham timeshare should seriously consider either selling their timeshare or giving it back before heading down this track.

If you stop paying your Wyndham timeshare mortgage or maintenance fees in 2026, you face significant financial and legal consequences. First, your account will be sent to internal collections, resulting in persistent phone calls and letters. If the debt remains unpaid, Wyndham will eventually foreclose on the timeshare. Unlike a residential foreclosure, this is often a "non-judicial" process, but it still appears on your credit report as a foreclosure, which can drop your credit score by 100 points or more and stay on your record for seven years. Additionally, Wyndham may seek a deficiency judgment, meaning they can sue you for the difference between what the timeshare is worth and what you still owe. Your "Club Wyndham" points will be frozen, and you will lose all access to resort properties. Before walking away, it is highly recommended to look into the "Wyndham Cares" (formerly Ovation) program, which sometimes allows owners to "deed back" their units if they are paid in full, providing a legal exit that protects your credit from the damage of a default.