DVC Membership Dilemma

[baby1disney]

I'm not a DVC member, but my inlaws are. They had also struggled with the decision of giving their DVC back at some point. Luckily...they don't have to---yet. Tomorrow could be a different story.

My point is this: You eventually know what you'll have to do. Take your time and reaaally make sure that this is the absolute last option. I'm not by any means saying keep it because I want you to, but if you don't have to give it up..I'd want that for you too!!! Especially because you seem to really want to keep this.

I hope and pray that your situation gets better for you and your family. No one has the right to judge anyone but God himself!! Only he knows what your heart is saying and feeling. Like you said in a pp, there are good people on here that actually care and will try to help you with advice in anyway they can.

People on here..the DIS in general..can be quite rude sometimes. But that is far and few inbetween. I hope once you talk Disney, that there is some kind of option for you!!

Good Luck and I will keep you in my Wishes!!!

 

[MichiganMouse1967]

Again, thank you to all the wonderful and caring Disboard members! You are truly magical with your words of encouragement.

I spoke with Member Accounting regarding my situation. At this point, we are going to try and bring payments up-to-date. It's going to be tough, and my family's needs will always remain my priority, but I don't want to give up just yet. I'll reassess our situation every month and go from there. I have faith that God will help us through this difficult time, things will get better, and everything will work out for the best, whatever the outcome of our DVC.

DizGirl20 - congratulations on getting your nursing degree! What a great accomplishment!

 

[marynvince]

Again, thank you to all the wonderful and caring Disboard members! You are truly magical with your words of encouragement.

I spoke with Member Accounting regarding my situation. At this point, we are going to try and bring payments up-to-date. It's going to be tough, and my family's needs will always remain my priority, but I don't want to give up just yet. I'll reassess our situation every month and go from there. I have faith that God will help us through this difficult time, things will get better, and everything will work out for the best, whatever the outcome of our DVC.

DizGirl20 - congratulations on getting your nursing degree! What a great accomplishment!

To the OP, you signed an obligation to pay and I feel you need to make an effort to do so, walking away should not be an option.[/QUOTE]

and are making an effort to fulfill your obligation. I wish you the best of luck. I do not sit in a glass house, I've been through tough times and have come through with a sense of pride having fufilled my obligations when I could have given up. It's disheartening to see so many here would have simply taken the easy way out, I'm glad that you have chosen the more difficult path. I'm sure you'll find that everything works out.

 

[MichiganMouse1967]

marynvince - not to offend, but I am doing what my heart is telling me as the right thing to do. Depending on our situation in the coming weeks/months, I may still give up our DVC if it becomes too burdensome, even if that means walking away. With that in mind, Matthew 7:1

 

[toniosmom]

It's disheartening to see so many here would have simply taken the easy way out, I'm glad that you have chosen the more difficult path. I'm sure you'll find that everything works out.

Who's to say that turning back the contract to Disney is the EASY way out? Frankly, I think that's the hard way -- to give up something you love so much, knowing that there is nothing you have been able to do to hang onto it.

OP, I applaud your efforts to rectify your situation to the point where you can retain your membership and I wish you the best of luck in doing so. However, if it doesn't work out, you will be making the best choice for you and your family. DVC.....while it is a wonderful thing for many of us, it is certainly not more important than paying the mortgage on your home.

 

[ILuvMulan]

MichiganMouse...Matthew 7:1 is the verse I strive to live by. I hope that all works out well in your current situation. I love my DVC and hope that we will never be in a place that we would have to give it up. However, in this current job market and with insurance the way it is, most of us are one pink slip or one terrible accident or diagnosis from being in your shoes. Keep praying and taking one day at a time and know that others care and are praying too.

 

[es45]

Good luck, MichiganMouse. My DH just lost his job after 21 years. I can speak from experience that no matter how much you save and for how long, life problems will come up that quickly deplete those savings. I'm hopeful that all of us in these difficult situations will find relief soon.

 

[JackandSally79]

MichiganMouse, I hope everything works out for you.

 

[UGAFan0829]

To the OP--I just sat and read this entire thread, so I wanted to jump in here and offer my well wishes also. I hope that everything works out for you, and I respect you for trying as hard as you are. I'm really glad that so many have been supportive as I can only imagine how hard this is for you. It is not our job to judge, only to try and help others as much as we can. I will be saying prayers for you and your family! Good luck, and please keep us posted if you can!

 

[MichiganMouse1967]

Thanks toniosmom, ILuvMulan, es45, JackandSally79, etc....

P.S. to es45 - I love your PSA announcement

 

[Disneypubgal]

Good Luck MichiganMouse and family!!! While I am certain marynvince advice is well intended.... sometimes if you have nothing nice to say, you just shouldn't say anything at all... May god be with you and your family, and get you thru what I am sure is a very difficult time.... Take some comfort in knowing that whatever is best for your family is the right thing to do....

 

[es45]

.... sometimes if you have nothing nice to say, you just shouldn't say anything at all...

I may have to change my siggy to include this. There are too many people on the DISboards who must have not learned this from their mama.

 

[MichiganMouse1967]

To the OP--I just sat and read this entire thread, so I wanted to jump in here and offer my well wishes also. I hope that everything works out for you, and I respect you for trying as hard as you are. I'm really glad that so many have been supportive as I can only imagine how hard this is for you. It is not our job to judge, only to try and help others as much as we can. I will be saying prayers for you and your family! Good luck, and please keep us posted if you can!

Good Luck MichiganMouse and family!!! While I am certain marynvince advice is well intended.... sometimes if you have nothing nice to say, you just shouldn't say anything at all... May god be with you and your family, and get you thru what I am sure is a very difficult time.... Take some comfort in knowing that whatever is best for your family is the right thing to do....

Thank you! I really do appreciate all the support and prayers!

I'll post an update in a couple weeks to let everyone know how things are going.

 

[michelleiada]

I have to say that I agree with all who say that providing for her family's basic needs is far more important than fulfilling her obligation to Disney, which is a luxury. I am quite sure that once Disney aquired her deed, they would just turn around and sell it again and at a minimum break even if not make a profit. I think that none of us have a crystal ball and know what may come our way. As a nurse, I have seen many peoples lives drastically and totally unexpectedly change. Illness can be financially disasterous to a family that was once living a comfortable middle or even upper class life. This has nothing to do with being irresponsible. The tough economic times and job losses are not something that people can often predict either and Disney knows that when they are financing time shares that a certain percentage will not fullfill the obligation for whatever reason. That is a risk they are willing to take or they would not offer financing and would require cash up front. I am sure Disney works this into their financial equation. Believe me...they take care of themselves first. Sometimes we are forced to make decisions that we never thought we would ever be faced with. I commend this poster for seeking advice of others and shame on you to the poster that judged this person. You have not walked in her shoes. It did not sound to me like this person was simply looking for an easy way out.

To the original poster, I am very sorry that you are experiencing such a difficult time in your life and wish you the best of luck. I sincerely hope that your financial distress is due to economic times and job loss and not due to serious illness. Hang in there. This too shall pass. Keep your head up and keep chipping away. Things will get better. I hope that in the end you even get to keep your DVC.

 

[Disneypubgal]

I may have to change my siggy to include this. There are too many people on the DISboards who must have not learned this from their mama.

Thanks!!! My momma taught me well!! And it seems so did yours too!!!

 

[lurontravel]

Hi, MichiganMouse, just thought I'd chime in here too and tell you that you're in my prayers. As so many others have said, "This too, shall pass." Keep the faith, you are strong. I agree with you and all of the others, food and a roof come first. Disney will manage without, or with less, or whatever deal they are willing to make with you. I believe that when one is facing difficulties, letting ones creditors know the situation and that one is trying to work with them, the creditors are often able to make the situation do-able for the debtor. Sounds like DVC is working with you.

No one is so stable that they are invincible.

Good luck!

 

[MichiganMouse1967]

Thanks, Michelle and lurontravel

 

[disneymom2one]

I'm glad the OP has found a way to keep DVC as well but I wanted to point out that walking away is certainly "not the easy way out". In our situation, it wasn't the easy way out - it was the ONLY way out. We certainly didn't "give up." So far from it and unless you've been there, you can't possibly begin to understand it.

To be clear, we owed less than what it was worth at the time. Had we had more time, we would have sold on the resale market. I don't want to get into our unique specifics (or how we turned it around quickly) but suffice it to say, I have no regrets.

But my understanding is the OP doesn't have that situation. That makes it much more difficult.

To the OP, you signed an obligation to pay and I feel you need to make an effort to do so, walking away should not be an option.