I am surprised at how few people take the time to read their original agreement. Mine makes no mention of Exit Fees, Penalties, damage to credit rating and even states that there will be no additional cost for transfer, yet many are paying transfer fees even if they are walking away from their timeshare and it is going back to the resort. It does state that if I stop paying maintenance fee, I will no longer have timeshare. That is the goal of a termination.