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I’m in the same boat. I stopped paying 3 months ago and I’ve been getting emails that if I miss 1 more payment, they would turn it into collections and will likely ruin my credit. I paid $7,000 already but I still owe $7,000. I stopped paying because it was presented as an “investment” at the time we signed, which I know now there’s no such a thing. I haven’t used the resort at all and have not gotten any penny back. I’m contemplating if I should just keep paying my monthly payments for 3 more years to avoid ruining my credit or just stop the bleeding. Anyone here actually stopped paying? Did it really ruin your credit? Or is it all scare tactics?