<prompt> Human: I made a reply about this a couple weeks ago in a similar thread, but I wanted this to get a bit more exposure. So I bought one of these points-based timeshares back in June of this year the sales guy was REALLY good at his job and my wife and I didnt realize what we were getting into. To be blunt about it, its destroying everything Ive worked for. I had about 12k in my savings at the time of purchase and now Im down to 5k. Im paying a little under 500mo and the mx fees are around 1.8kyr.I make just about 45kyr after taxes. With all mymy wifes other billscar payments , were in about a 600 deficit each month she doesnt work at the moment, just got her BA. Luckily, we live in FL where the cost of living isnt that high or Id be worried about providing.My question is this: how do we get out from under these people while trying to at best break even and at worst suffer a small deficit? Or is there something else we can be doing to mitigate our other costs? Theyve said that we cant sell it back to them and that the only way is to sell it privately and sign over the deed to the new owner, but I feel like that cant be right. This so-called investment is crushing us and its the biggest regret Ive ever had. I could really REALLY use some advice on this fellow redditors. Im terrified that this is going to destroy our credit due to me not being able to pay these criminals on time or worse, put us on the street. Any advice is welcome.tl;dr got tricked into buying a timeshare in June TIFU, turned out to be way too expensive for me to handle on my own. Want to sell it back to company, cant. Looking for alternate solutions. halp plz  <response>: Dave Ramsey advocates Timeshare Exit Team. Start there. No way youre breaking even. In fact IF you get out you can wave goodbye to the rest of your savings. 