As I said, it depends on the t/s. A couple of other people here in the thread have said in this instance of Diamond Resorts, it's just a $250 fee. When you have a t/s that is actually IN the States, you have a lot of legal advantages, but if you want to surrender, they might actually come after you for collection if you want to surrender. Many people here have reported that they have just walked away from SXM t/s and never heard another word about it. That would make me personally very nervous to do that, but I have never bought t/s, so don't have to worry about it.