This document describes unethical timeshare sales practices and the difficulties people face after purchasing a timeshare. It notes that many people attend timeshare presentations just for a free gift or vacation but end up with a large financial burden. Salespeople use smooth talking to build rapport before launching into high-pressure sales pitches involving misleading claims about timeshares being investments, maintenance fees never rising, and being able to easily rent or resell the timeshare. After signing contracts, buyers often regret their purchase due to the large bills from mortgages, fees, and other costs that are higher than promised. The document advertises a non-profit organization that claims to help victims of timeshare fraud cancel their contracts and recover funds through proven

1. You may be a victim of unethical sales practices.
You may not be responsible for your mortgage.
You need our service……………………

2. Thousands of people
 Each year find themselves at sales
presentations for timeshare properties.
Many just go for the free gift.
Many just go for the free vacation.
Some for an “update” meeting
Some to hear how more points/weeks
will be a great advantage.
Many leave with a financial burden they
will carry for the rest of their lives.

3. Smooth Talk…………..
The well dressed, good looking salesperson
greets you at the door. He or she will
introduce themselves with lots of smooth
talk. Whether this is your first
presentation, or you are a seasoned
timeshare owner, you can rest assured that
talk about your family, your hometown, your
favorite sports team is commonplace. In
that first half an hour, you feel like you have
found a new best friend. You may think to
yourself, “Wow, half of the presentation is
over, and we haven’t even been asked to
buy anything.” It isn’t long before you
realize that your presentation is not close to
over…… It has only just begun.

4. The Presentation
Now that you have broken bread and made
a best friend, it is time to get down to
business. Your friendly sales rep shows
you what she/he is there to sell you. The
absolute, 100% best vacation property in
the entire world, or maybe how another
week or more points is just what you need
to really maximize your vacation ownership
experience. And right from the start, you
know it will be out of your price range.

5. Reasons to buy
Even though the price is
high, you need to know
the reasons to buy:
1. It’s an investment!
2. It’s a tax write off!
3. The fees never go up!
4. It’s the LAST ONE!
5. You can rent it and make
money!!
Do any of these sound
familiar to you?

6. But WAIT!! There’s more!
You can resell it !
We will buy it back!
If you buy MORE points,
the fees will be LESS!
You can travel more!
MORE weeks mean
MORE fun!
You get cheaper airfare!
You just won the lottery!
And so on, and so on.

7. And now you are sold….
 But this still does not address the
money issue. Yes, you love all of the
great things that will happen if you buy
this timeshare unit, add another week
or buy more points. But you still can’t
afford it. You look at your wife, your
wife looks at you, you both look at the
salesman, he looks back at you. And
then, he asks you a few questions:
1. Money aside, could you see yourselves
vacationing like this? Don’t you love all of
the features?
Wouldn’t an extra week be great?
Wouldn’t a DECREASE in maintenance
fees be a great thing?
 You quickly answer: YES!
2. If I COULD work a better price, lower
your fees, lower your mortgage, WOULD
you buy?
 ANOTHER YES! Or at least one of you
does…………………

8. It all comes down to money
You have now been cornered. You have
told a professional salesman that you
love his product and that it is only about
money. You are now the couple that
salesmen dream of, but you know that a
lowly salesman does not have the
authority to change the price of
something that costs tens of thousands
of dollars. He says “I’ll be right back.”

9. Enter “The Closer”
“The Closer” is better
dressed than the
salesman. He will
reemphasize every last
detail that the salesman
gave you. He is the
voice of authority. No
matter what, he
assures, he will figure
out a way to “get you
done,” get you
financed, lower your
mortgage, lower your
fees and make you
happy.

10. Within minutes………..
 a price you can live
with (or so you think)
You are quickly
whisked to the closing
area and you are
signing your life away.
You are just moments
from owning your
dream vacation
property, doubling
your points or buying
another week. And
then the nightmare
begins….

11. Meanwhile, back at home…
 Reality sets in. You are home from your
3 day “vacation” and that “free” trip just
cost you 10, 20, 30,000 dollars or more.
But let’s look at the bright side. You can
travel for one week, every year, and you
own it, right? Those extra 250,000
points will really come in handy, right?
The deal for another 3 weeks in
Arkansas was just too good to pass up,
right?

12. You WERE surrounded by
timeshare salesmen

13. Not long ago, this was you…..
A proud, new timeshare owner

14. And these were the places you
were going to go! The world was
yours!

15. when the bills come marching in
MORTGAGE PAYMENTS
MAINTENANCE FEES
RCI/II DUES
EXCHANGE FEES
SPECIAL ASSESSMENTS
TAXES
(Remember how easily your salesman dismissed those?)
(He said they were going to go DOWN, didn’t he?)

16. BREAKING NEWS
 SOMETIMES SALESMEN LIE
 SOMETIMES YOU DON’T GET WHAT
YOU PAID FOR
 THINGS AREN’T ALWAYS WHAT THEY
SEEM
 YOU SHOULD ALWAYS READ THE
FINE PRINT!

17. But just for the record….
 There are many honest salespeople
 You may have “gotten what you paid for”
 You did “read the fine print”
There are many happy timeshare owners.
They understand how to use timeshare
and make the most of it.
They wouldn’t trade it for the world.

18. But if you are not happy…..
If you feel like you were “taken”
It may not be your fault…… If it is not your
fault, maybe we can help.
Were you told timeshare was “an investment”? √
Were you told you could easily resell your unit? √
Were you told that they could “rent” it for you? √
Were you told you could receive tax deductions? √
Were you explained “exchanging” in detail? √
Was your tour longer than 90 minutes? √
Were you told your maintenance fees will go down? √

19. If you answered YES to just some of the
previous questions, you may qualify for our
program.

20. Straight from the headlines…

21. THE REAL COST OF
OWNERSHIP

22. Ok, so now what?????

23. Who we are………..
Overcoming Adversity, Inc.
 A Florida “Non-Profit” Corporation in good
standing
 An organization driven to help those less
fortunate through our charitable affiliates
 Helping victims of timeshare fraud with our
Guaranteed cancellation techniques.
 Combined 40 years timeshare experience
 Expertise in Mortgage Consulting and
Deed Transfer Services.

24. What we do………..
Overcoming Adversity, Inc.
 Assists owners in Mortgage Cancellation
 Advises owners on proven cancellation
techniques and strategies
 Offers advice on credit protection during
the cancellation process
 Speaks on behalf the owner to collections
agents (if necessary)
 Works to recover your monies that were
paid to mortgagor/developer (if applicable)

25. Why choose
Overcoming Adversity, Inc.?