Timeshare Contract Decoder Skill
Timeshares are sold in a 90-minute high-pressure window and owned for decades — sometimes by your heirs. This skill does the reading the presentation was designed to prevent: the lifetime cost computed, the perpetuity and escalation clauses flagged, and the rescission clock — the single most valuable number in the document — calculated to the day. For existing owners, it separates the real exits from the exit-scam industry that preys on the trapped.
What This Skill Produces
- The lifetime cost projection — purchase + financing + escalating fees over 10/20/30 years vs renting the same weeks
- Clause decode — perpetuity, fee escalation, special assessments, booking reality, transfer restrictions
- The rescission clock — jurisdiction-dependent cancellation window, computed with the how-to-cancel steps
- Exit paths (owners) — legitimate routes vs the scam-pattern checklist
Required Inputs
Ask for these only if not provided:
- The contract/offer — price, financing terms, annual fees, the maintenance-fee history if obtainable
- When it was signed (if already signed) — the rescission window may still be open; this is urgent
- The jurisdiction of purchase — rescission periods vary widely; never guess
- Their vacation reality — actual weeks/year they'd use, destinations, flexibility
Framework
- Rescission first, always: if signed within recent days, compute the window now and lead with the cancellation procedure (typically written notice, specific address, postmark rules). This paragraph outranks everything else in the decode.
- The lifetime math: price + loan interest (timeshare financing rates are routinely steep) + fees compounding at the historical escalation rate (ask for history; absent it, model at several plausible rates and say so) − honest usage. Compare against simply renting comparable weeks.
- The perpetuity flags: "in perpetuity" obligations, heir-binding language, developer's unilateral special assessments, exchange-program dependencies that can devalue independently.
- Resale honesty: the resale market for most timeshares is effectively near-zero; the contract's "investment" framing is decoded against that reality, plainly.
- The exit-scam checklist (owners): upfront-fee "exit companies," guaranteed-exit claims, cold calls citing a "buyer waiting" — pattern-flag them. Legitimate paths: rescission (if in window), developer surrender/deed-back programs, licensed resale at honest prices, attorney consultation for misrepresentation cases.
Output Format
Timeshare Decode: [property/company]
⏰ Rescission status: [in window until DATE — cancellation steps below / window closed — see exit paths]
The lifetime math | Horizon | All-in cost | Rent-equivalent | Verdict |
Clause decode | Clause | Says | Means | Severity |
🚩 Ranked flags — perpetuity, escalation, assessments, booking reality — each with the quoted line
Your usage vs the promise: [honest fit paragraph]
Exit paths [owners: legitimate routes ranked · the scam checklist]
End verbatim: "This is a plain-language reading, not legal or financial advice — rescission rights and contract enforceability vary by jurisdiction; for an in-window cancellation act today, and for anything else confirm with a licensed attorney."
Quality Checks
Anti-Patterns
1---2name: timeshare-contract-decoder3description: Decode a timeshare contract before signing — the lifetime cost math, the perpetuity and fee-escalation clauses, the rescission window, and the honest resale reality. Use when asked to review this timeshare, decode my timeshare contract, can I get out of a timeshare, or is this vacation ownership worth it. Produces the true-cost projection, the clause decode with the perpetuity traps flagged, the rescission-window computation, and — for existing owners — the legitimate exit paths vs the exit-scam checklist.4---5
6# Timeshare Contract Decoder Skill
7
8Timeshares are sold in a 90-minute high-pressure window and owned for decades — sometimes by your heirs. This skill does the reading the presentation was designed to prevent: the lifetime cost computed, the perpetuity and escalation clauses flagged, and the rescission clock — the single most valuable number in the document — calculated to the day. For existing owners, it separates the real exits from the exit-scam industry that preys on the trapped.
9
10## What This Skill Produces
11
12- **The lifetime cost projection** — purchase + financing + escalating fees over 10/20/30 years vs renting the same weeks
13- **Clause decode** — perpetuity, fee escalation, special assessments, booking reality, transfer restrictions
14- **The rescission clock** — jurisdiction-dependent cancellation window, computed with the how-to-cancel steps
15- **Exit paths (owners)** — legitimate routes vs the scam-pattern checklist
16
17## Required Inputs
18
19Ask for these only if not provided:
20- **The contract/offer** — price, financing terms, annual fees, the maintenance-fee history if obtainable
21- **When it was signed** (if already signed) — the rescission window may still be open; this is urgent
22- **The jurisdiction of purchase** — rescission periods vary widely; never guess
23- **Their vacation reality** — actual weeks/year they'd use, destinations, flexibility
24
25## Framework
26
271. **Rescission first, always:** if signed within recent days, compute the window *now* and lead with the cancellation procedure (typically written notice, specific address, postmark rules). This paragraph outranks everything else in the decode.
282. **The lifetime math:** price + loan interest (timeshare financing rates are routinely steep) + fees compounding at the historical escalation rate (ask for history; absent it, model at several plausible rates and say so) − honest usage. Compare against simply renting comparable weeks.
293. **The perpetuity flags:** "in perpetuity" obligations, heir-binding language, developer's unilateral special assessments, exchange-program dependencies that can devalue independently.
304. **Resale honesty:** the resale market for most timeshares is effectively near-zero; the contract's "investment" framing is decoded against that reality, plainly.
315. **The exit-scam checklist (owners):** upfront-fee "exit companies," guaranteed-exit claims, cold calls citing a "buyer waiting" — pattern-flag them. Legitimate paths: rescission (if in window), developer surrender/deed-back programs, licensed resale at honest prices, attorney consultation for misrepresentation cases.
32
33## Output Format
34
35### Timeshare Decode: [property/company]
36**⏰ Rescission status:** [in window until DATE — cancellation steps below / window closed — see exit paths]
37
38**The lifetime math** | Horizon | All-in cost | Rent-equivalent | Verdict |
39**Clause decode** | Clause | Says | Means | Severity |
40**🚩 Ranked flags** — perpetuity, escalation, assessments, booking reality — each with the quoted line
41**Your usage vs the promise:** [honest fit paragraph]
42**Exit paths** [owners: legitimate routes ranked · the scam checklist]
43
44End verbatim: *"This is a plain-language reading, not legal or financial advice — rescission rights and contract enforceability vary by jurisdiction; for an in-window cancellation act today, and for anything else confirm with a licensed attorney."*
45
46## Quality Checks
47
48- [ ] Rescission status and date lead the decode when potentially open
49- [ ] Lifetime math shows its escalation assumption and the rent comparison
50- [ ] Perpetuity/heir language is quoted, not paraphrased
51- [ ] Resale reality is stated plainly
52- [ ] The exit-scam checklist appears for any post-window owner
53- [ ] The disclaimer appears verbatim
54
55## Anti-Patterns
56
57- [ ] Do not bury the rescission window — it's the most valuable number in the document and it's expiring
58- [ ] Do not use the sales deck's fee assumptions — model escalation from history or plausible rates, stated
59- [ ] Do not entertain the "investment" frame — decode it against the actual resale market
60- [ ] Do not recommend exit companies — pattern-flag the industry and point to the legitimate routes
61- [ ] Do not shame the buyer — the presentation was engineered by professionals; the decode is for deciding, not regretting
gabrielmoreira