TimeshareRecover.com and Granite Consulting Scam Kyle Logue of Dover, NH

Dustin of Timeshare Release Now, LLC says starting this company showed him there are 3 types of entrepreneurs

After seeing hundreds of fly-by-night companies pop up and go away, we have now a series of greedy arrogate employees who think they are entrepreneurs because they stole the company they think is so successful. Little do they acknowledge that, “they stole the company they now call their own from their previous employers” Dustin Michaels said there are only three primary categories they can fall into: honest entrepreneurs, arrogant ones, or scam artists.

At a discussion last week with our legal counsel at TimeshareReleaseNOW.com, Dustin explained that each of these types will dictate how he/she behaves during the employment opportunity.

  1. The honest entrepreneur

“There are two elements,” Dustin said. “It’s not just, ‘Is it a good business?’ but ‘Is it a good investment for us?’

We will see plenty of employees/entrepreneurs that we admire throughout their time here at TimeshareReleaseNOW.com, but in whom they have no interest in starting their own company let alone stealing the business they just got hired for. Dustin said he will be respectful to these employees, regardless of whether he thinks they will take advantage of himself and the business but trust will never be relevant throughout our business relationship.

“And so, if they’re an honest employee, I know we all — except for maybe Kevin [O’Leary] — try to be very supportive and respectfully presentable. Because we know this is going to be shared with other employees and we’re trying to send a message to everybody.”

Dustin Michaels of TimeshareReleaseNow known as a resource person proudly shares with the general public how his hard earn resources were squandered by employing the wrong hands. TimeshareReleaseNow is a leading company in the USA, which specializes on Timeshare contract cancellations. The company was established back in the year 2013, with great insight and vision for uncommon success.

The company’s hope of growth become threatened as employees who are supposed to work towards the success and profit-making goal of the company turn the use of company’s resources for personal development. A lot of paper work, document both legal, polices and operation module were siphoned by being copied through a soft storage medium with the aim to start a personal business. To the surprise of anyone who cares to believe, the personal business of these employees is situated down the street. This is a trend that is common among small and medium scale businesses in recent years.

Try to figure it out why people in their right mind will act in these behaviors to become successful when in fact that one stolen idea will not last due to karma and having no other options or friends or employers to steal from, best advice is to save as much money from that stolen business as possible because you’ll need it down the road. “I’m trying to test the mettle of those entrepreneurs, because if they think it’s that easy, in fact they just want to look cool with their name on the door with President/CEO next to it. They have no idea what it takes to be a president/CEO of a business, let alone manage employees and performing legal operations. I say “wait until they get out in the real world,” You can try your hardest to be like me but you will never be me, sorry you can’t think of successful ideas on your own and had to steal from the hands that fed you, IDIOT.

At the Timeshare Exit Conference roundtable, fellow employee Kyle Logue and Robert Soden worked for Timeshare Release Now as of 2014-2015 and since then started their own Timeshare company out of Dover, NH called Timeshare Recover and Granite Consulting using everything they stole from TimeshareReleaseNOW.com to operate his business, he is a shameful individual and the Timeshare community should be well aware of these individuals calling themselves Entrepreneurs and Timeshare Cancel Experts.

They are FAKE PHONY THEIVES who think stealing someone’s company is going to make them into the man they are today. That’s right…SCUMBAGS! We are contacted daily, weekly by distraught Timeshare owners who had the undivining privilege to speak with these scam artist thieves as they pitched their Timeshare Exit scheme they stole, I laughed the whole time, they sounded like little kids going through puberty. They stole the service agreements, leads and went home and built a FREE website off of Weebly.com, get a FREE template and have a fly-by-night company in less than 1 hour. Look at their websites and you can immediately tell the owner slapped that together in no time. My 10 yr. old can code a better website than that, and Weebly does it for you, it shouldn’t look like a kindergartener made it.

  1. The arrogant entrepreneur

Sometimes an entrepreneur will speak down to the employees as if they are superior and know everything, when in fact they know nothing because they stole everything your working on and filling out for your customers. They’re from Dover, NH, with multiple fake phony websites http://TimeshareRecover.com      http://Granite-Consulting.com & https://www.graniteconsultingllc.com/

“The arrogant ones are sometimes the most interesting,” Dustin said. “And so, if they’re arrogant, then it becomes a battle of wits for us. You see us perk up, because we want to come right back at them. Like hey you’re coming one against ten. And Dustin has his own skill set, and it’s hard to match up, so then the next best thing is to steal the business and get up every day trying to be someone else, knowing he doesn’t have any of the skill set to operate a business, he’s basically copying everything Dustin and his teams are doing, verbatim. Must suck being them. And so that’s interesting and that’s a different dynamic.”

For example, Dustin has said when Kyle Logue started for TimeshareReleaseNOW.com he was operating 2 other businesses on Amazon.com selling little items making a couple dollars commission and also doing cold calling for a Timeshare resort company, which all failed. So Kyle decided to give TimeshareReleaseNOW.com a shot and noticed how successful the owner was and started his theft operations immediately, siphoning everything he can get his hands on within the office while telling the owner of TRN that he has not done his taxes in years, and that he didn’t know how to even do them nor did he even know how to even register a business. So, his previous companies were being operated unlicensed and un-registered with the State of NH, hmmm. It doesn’t stop there…Kyle never had a solid work opportunity until he was given a job at TimeshareReleaseNOW.com and seen how someone else has started a successful business, so he did everything in his power to take what he could and call himself an entrepreneur sitting in Dover, NH. They do it ALL for that title at the end of their name.

After Dustin dismissed the employee Kyle Logue from the office “Best decision ever made,” he told everyone that “he never got paid what was owed to him, so he used that excuse to steal everything from TimeshareReleaseNow.com to operate his fraudulent company TimeshareRecover.com out of Dover, NH… But little do these fellas know they stole from the wrong person, and they will never live up to this, good luck! Everyone will know your position by the end of the day!

  1. The ‘scam artist’

Dustin said some of the entrepreneurs out there are just out to steal people’s money. When they find their way into a business, they make for some pretty entertaining segments. Act buddy with co-workers & management to get their foot in the door. Behind the curtains are there to sabotage you and the successful business you come to work hard for over the past 5 years to have some donkey come in and steal everything in 1-2 months. Watch out for these dudes, KYLE LOGUE out of Dover, NH websites listed above.

Last year 2016, for example, Dustin called out Timeshare Recover.com thieving owner Kyle Logue for being a “scammy-thief,” because he considered Timeshare Release Now to be preying on unsophisticated Timeshare owners when in fact this is the same company he stole from to operate his business, so if we were scamming people why would you steal a program that scams people, he had nothing to say. Another one of his BS lies to get out of what was being confronted. Dustin Michaels, who made his fortune building one of Maine’s Timeshare Consumer Protection Agencies said Kyle Logue and his ideology had no “high school diploma, education from the 7th grade and thinks hes a president/CEO.” The business will no longer exists after he drives it straight into the ground, and due to his thieving actions, he will never be able to run a successful legitimate business because everyone will know what he’s done in the past and NOBODY will do business with a THIEF SCAM ARTIST. Camden Moore  Robert Soden Zachary Tarr and Kyle Logue 

SOCIAL MEDIA

https://www.facebook.com/TheRealKyLogue

Kyle Logue’s Websites:

http://TimeshareRecover.com

http://Granite-Consulting.com

https://www.graniteconsultingllc.com/

1 Washington St. Suite 204A

Dover, NH 03820

Tel: (844) 993-3967

Timeshare Contract Release

In a typical office environment, it’s easy to walk over to your teammate’s desk when you have a question or need help with an issue.

But what happens when your teammates are on the other side of the world? The protocol obviously changes entirely, and some extra elements need to be taken into account.

Timeshare Release Nows customer service team is scattered across the United States, Europe and Australia. We’re able to find some decent overlap during the work day, but a lot of our collaboration happens asynchronously.

Related: How To Cancel a Timeshare under 8 weeks

As we’ve grown over the years, we’ve established processes and rhythms that keep us on track. For any remote customer service team that isn’t online all at once, asynchronous communication is a huge key to success. It’s taken a lot of trial and error over the years, but we’ve found a good system for staying up to date, especially in the ever-changing environment of a SaaS company!

5 tools we use for remote customer support

We’re obviously big fans of Help Scout for customer conversations — more on that later! — but we rely on a range of other services to help us collaborate effectively. The following tools have been critical to our growth and effectiveness as a remote customer support team.

BaseCamp Logo
BaseCamp Logo

 

 

 

 

 

 

 

 

 

1.  Basecamp

We manage all of our updates as a team in Basecamp: product releases, upcoming days off, daily roundups that give a synopsis of the entire day (bugs, fixes, knowledge nuggets, etc.).

Timeshare Customer Team
Timeshare Customer Team

Previously, we were relying on Slack to keep our support team in the loop regarding every new bug, fix, product update or launch, and so on. While it was nice in theory to keep all of our communication in one place, Slack got noisy during the day with all the other important work chatter, and Amanda (in Paris) and I (in Melbourne) had to scroll through tons of messages to catch up.

The daily roundup in Basecamp has solved that issue — and other team members across the company can opt in to receive those updates as well, so everyone who’s interested can keep a finger on the pulse of the customer support team’s goings-on.

DropBox

 

 

 

 

 

 

 

 

  1. Dropbox Paper

 

This is mainly where our product specs live (so that our support team can be more informed about product and feature releases), important internal guides and instructions, company and team updates, and also where we outline our team huddle agenda. It’s a great way for us to have cross-departmental communication and keep abreast of what the Engineering or Product teams are up to, as well as stay on top of our own team meetings and action items.

Google Hangouts

 

 

 

 

 

 

 

 

  1. Google Hangouts

We use Google Hangouts for our one-on-ones, as well as our weekly team huddles. These let us talk about important events happening that week, hash out any issues, and just get in some face time and off-topic banter. We go over how we’re feeling, what we’d like to work on or improve, and any causes for celebration. It’s a great way to connect with one another during the week outside of Slack, and efficiently work through any issues we may be facing as a team.

Google Hangouts

We also have a team Google Calendar, so we can tell at a glance who will be out of the queue for appointments, meetings, or focusing on other projects — that way, we can tell who will be out and at what time, so we can easily fill in the gaps and make sure all is accounted for.

Slack Logo

 

 

 

 

 

 

 

 

  1. Slack

This is our primary form of communication; it’s where we chat throughout the day, troubleshoot with one another, send funny GIFs, and log updates regarding new bugs or issues. We use one specific channel to list the links to new bugs in Trello, or any other changes (such as edits to Docs articles or saved replies in Help Scout) across our account, so everyone stays in the loop.

Chat

It’s chatter-free and lets us quickly see which issues and updates to be aware of without having to look through Trello or scroll through our regular channel where we chat.

Trello Logo

 

 

 

 

 

 

 

 

  1. Trello

It can be hard to scroll through tons of notifications and get the gist of any new bugs or updates, so we use Trello to log bugs or anything that needs a fix, and to manage all feature requests.

Asynchronous customer support in Help Scout

Unsurprisingly, we love using Help Scout to collaborate! A couple nifty tools in particular really help us stay on track as a remote support team:

  • @mentions: The ability to mention one another in notes has become so useful for getting others to chime in with their expertise and input, as well as keeping a “paper trail” of communication in our account. It’s an asynchronous-friendly and non-invasive way to get someone’s help without actually having to assign a conversation or wait for a ping back on Slack or via email.

Timeshare Chat

  • Following conversations: Being able to follow conversations is particularly helpful for new teammates going through onboarding, as they’re able to receive notifications for each reply and keep a record for learning purposes. The “follow” feature also comes in handy when we’re signing off for the day, but want to keep track of any activity in a particular conversation to follow up with the next day.

Passing the baton

As some teammates get ready to “clock out” for the day, others are grabbing their coffee and signing in. While we don’t have a rigid process in place to pass the torch, we do try to be as communicative as possible so that important and time-sensitive tasks don’t fall through the cracks.

Your customers need help around the clock, but are you ready to expand support beyond weekday office hours? How We Transitioned to 24-Hour Support

Timeshare Contract Release

When hopping out of the queue to walk the dog or to head out for the evening, we always announce it in Slack. That way, everyone else online knows to take ownership of the emails rolling in. It helps to keep the train chugging along, and we don’t risk letting customer conversations pile up.

Face time with the team

In addition to our weekly Google Hangouts, we get to see one another and work together at our company retreats, which is always a delight. It’s also likely we’ve added new teammates since the last retreat, so it gives us a chance to formally meet one another. During the retreats, we hold team break-out sessions where we sit down for a few hours together. It’s a great time to hash out ideas and build social capital.

No substitute for trial and error

In the ever-evolving tech space, there are always new tools and services to help us collaborate better. While the above is what works for us now, it likely will change as time goes on — as we continue to grow not only in number, but in how we communicate and work.

As you look for ways to collaborate more effectively, don’t be scared to experiment with lots of different tools, and be open to constructive criticism. Trial-and-error is still the best way to determine what does and does not work for your team — it’s how we’ve gotten to a strong and organized place today, and how we’ll continue to iterate and improve over time.

Colorado Consumer fraud timeshare bulletin

TimeshareReleaseNOW.com is the Leading Contract Release & Timeshare Compensation Specialists. Do you deserve your MONEY-BACK? You deserve to know the truth…nothing but the TRUTH! Timeshare Cancellation Specialist – Learn How to cancel a Timeshare under 8 weeks with our 100% PROVEN-SUCCESS TIMESHARE EXIT PROGRAMS. Contact Us to find out how to gain access to these programs & recover your money-back today. Just because you’ve been scammed doesn’t mean you have to KEEP getting scammed, STOP paying for something you don’t use, CALL NOW TOLL-FREE (844)-215-2744 option 1   – ALL TIMESHARE VICTIMS WELCOME –

Colorado Attorney General Consumer Fraud Timeshare
Colorado Attorney General Debt Management Complaint Form Consumer Complaint Form Fraud Timeshare Bulletin Whiteboard with TimeshareReleaseNow.com Timeshare Advocacy Exit Solutions #Timeshare-Cancellation-Companies #How-To-Cancel-A-Timeshare #Attorney-General #File-Complaint #Timeshare-Scam #TimeshareFraud #Timeshare-Release-Now #Advocates 
Timeshare Recover & Pine Tree Consultants

CAN EMPLOYEES REMAIN FAITHFUL AND TRUSTWORTHY

July 2017– Dustin Michaels of TimeshareReleaseNow known as a resource person proudly shares with the general public how his hard earn resources were squandered by employing the wrong hands.

TimeshareReleaseNow is a leading company in the USA, which specializes on Timeshare contract cancellations. The company was established back in the year 2013, with great insight and vision for uncommon success.

The company’s hope of growth become threaten as employees who are supposed to work towards the success and profit making goal of the company turn the use of company’s resources for personal development.

A lot of paper work, document both legal, polices and operation module were siphoned by being copied through a soft storage medium with the aim to start a personal business.

To the surprise of anyone who cares to believe, the personal business of these employees is situated down the street.

This is a trend that is common among small and medium scale businesses in recent years.

 “I had my first experience about 1 year ago when I hired a good handful of younger adults in their early 20’s whom worked for my company www.TIMESHARERELEASENOW.com for about 4 months, stole everything in sight to open up shop right down the street using all of my company paperwork and agreements”. Dustin Michaels


TimeshareReleaseNow  became a victim of unfaithful employees such as Kyle Logue out of Dover, NH owner of TimeshareRecover.com & Granite-Consulting.com. Next in line we have Arabian man Rahaman Kargar who now owns Pine Tree Consultants in Portland, Maine and to this day lives with his parents in Falmouth, ME. He’s use to having everything given to him from his parents whom doesn’t know 1% of being successful & operating a business. People who can’t think of successful ideas on their own, people who cheat, steal, want to be just like you. These starving individuals decided to take it upon themselves to take everything they could and now try to be just like TimeshareReleaseNow.com and copies everything they do verbatim because they are not inclined to create or develop their own techniques & strategies, let alone run a business, they don’t even know how to file their own taxes.

Kyle Logue from Dover, NH and Rahaman Kargar  from Falmouth, ME were indicted for diverting funds and resources for personal use, when at TimeshareReleaseNow

These guys use the stolen paperwork from TimeshareReleaseNow  to start and operate their current business.

TimeshareReleaseNow.com specializes in Timeshare contract cancellations. The business services include a Consumer Protection Consulting and Document Preparation Services. Our Licensed & Bonded Timeshare Advocates have extensive research involving Timeshare Fraud and the unethical sales tactics used to violate Consumers Rights and misrepresentation within the Timeshare Industry.


Media Contact

Name: Jennifer Roy

Phone: (207)-457-0209

Email: Support@TimeshareReleaseNOW.com

Website: www.TimeshareReleaseNow.com

 

Timeshare Cancellations

Timeshare Cancellation

Is Timeshare Cancellation even possible? To offer a clear explanation of the ins and outs of timeshare cancellation to our customers, Timeshare Release Now Advocacy Team gathered information from two Timeshare industry insiders who shared their professional insight on this very question. First, we spoke candidly in confidence to a sales representative, “Sue”, who used to work in the timeshare industry on the sales side. This is her perspective on timeshare sales and timeshare cancellation:

Timeshare cancellation, sure it’s possible, but only if the consumer gets professional help from an organization like Timeshare Release Now, LLC Portland, Maine offices. From the perspective of a timeshare sales force, our job was to misrepresent the truth to consumers in order to make them feel like they had no choice but to accept the timeshare ownership and keep paying. We would get questions about timeshare cancellation all the time and we would simply refuse to help. Instead, when someone asked us about the possibility of cancelling a timeshare we would use their complaint as a tool to try and sell them more timeshare. We would tell them that the reason they want to cancel their timeshare is because they don’t know how to use it or they don’t have the right form of ownership.”

“Remember, if someone cancels their timeshare, some sales person loses their commission. All of us on the sales floor would help each other by misdirecting complaining consumers who actually thought they could contact the sales staff for help in a timeshare cancellation. We used every trick in the book to keep consumers from cancelling their timeshare within the rescission period. If I sold a timeshare and the rescission period was 10 days, I wouldn’t answer a phone call from my new customers until day 11. Everybody in the office knew the drill, “Avoid Timeshare Cancellation at all costs!” “

“Additionally, from what I understand, most resorts, including the one I worked for, had teams of employees in a customer service role, not directly connected to the sales force, whose job it was to field incoming requests for timeshare cancellation. Their only job was to use fear as a tool to control any consumer requesting a timeshare cancellation. Fear of having their credit ruined, fear of having a foreclosure on their credit report, fear of being harassed by collection agencies, or fear of being sued by the resort for breach of contract. Most timeshare owners are law abiding, good people looking for an economic benefit. The thought of having to deal with the aforementioned circumstances was just too much drama for them to handle. Plus, many consumers feel partly to blame for signing a binding contract that they never really read or understood. The resort uses that guilt to their advantage and makes the consumer believe they have to pay for their mistake.”

“In conclusion, from my perspective, the average consumer who wants How to cancel a timeshare is up against a maze of misinformation if they try to independently rely on the resort to communicate with them in a logical or fair manner. Really, the only recourse for timeshare cancellation is support from an organization like yours, Timeshare Release Now.” Next we spoke to “Craig O’Donnell”, an independent consultant and expert in Consumer Protection Law, and asked for his perspective on timeshare cancellation. These were his thoughts:

“Timeshare Cancellation by its very nature is an uphill battle, even with the right tools and knowledge. Unfortunately, the consumer protection laws that are in place to allow consumers an avenue of recourse when confronted with timeshare issues are well hidden among hundreds of thousands of laws published and governed, for the most part, by the Federal Trade Commission. Even if a consumer has the time and ability to sift through and collect all the laws that may be helpful to his or her specific grievance, knowing where and how to apply those laws to get the desired timeshare cancellation result is an impossible task for most people.”

“I have personally seen the stress and anxiety this situation causes for many consumers and can appreciate the services offered by legitimate timeshare exit companies like Timeshare Release Now. Do consumers have grounds for timeshare cancellation? Most of the time they do, but they need to find the right kind of assistance. The basis for most timeshare cancellations is claiming Consumer Timeshare fraud & Timeshare Resale misrepresentation. For example:

  • Being told you are buying a real estate investment.
  • Being told your timeshare is a tax write off.
  • Being told they have a resale department in the event you want to sell your property/points.
  • Informed the resort was pet friendly and later finding out pets are not allowed.
  • Verbose claims to induce the purchase of the timeshare.
  • Not being informed of exchange fees and being told that you can travel freely at any time to any place.
  • Not being made aware of maintenance fees or that your fees will increase.
  • Not being informed of potential assessments as the property ages or that you may be responsible for additional dues when other timeshare owners have backed out of their timeshare.
  • Summoned to a meeting under the guise it is a mandatory “owners” meeting only to be pressured and sold an upgrade.
  • Not being able to use your timeshare, with the resort citing that nothing is available or you do not have enough points.
  • Not being informed of the time period in which you can cancel your timeshare.

Now, claiming timeshare fraud or misrepresentation is one thing but, articulating it, exercising your rights as a consumer and navigating through to a positive outcome is yet another. Most timeshare attorneys can’t be bothered because of the lack of money involved and I would seriously question anyone claiming to be an attorney who says they provide timeshare cancellation services. Is timeshare cancellation possible? Absolutely, but, it must be done correctly, using the policies and procedures afforded every citizen under the law. In my opinion, Timeshare Release Now has developed the right approach in assisting consumers with timeshare cancellation. The Timeshare Cancellation process involves a marriage of timeshare industry, consumer protection law and real estate transaction knowledge and expertise. The trick is bundling it all together in a comprehensive package and providing direction and support at a reasonable price to the already financially burdened consumer. In my opinion, Timeshare Release Now has done this very well, indeed.”

You probably haven’t read anything here that you didn’t already believe to be true. Hopefully you have a better understanding of the situation you are in and realize you need help. Timeshare cancellation is a reality. Make it your reality. Contact us today and let us help you! Get your money back and the TRUTH YOU DESERVE! STOP LIGHTING YOUR MONEY ON FIRE! ACT NOW TOLL-FREE (844)-215-2744 or LOCAL (207)-457-0209 Portland, Maine Corporate Offices

Timeshare Exit Credit Protection Services

 Here’s How Merchant Companies Screwed Timeshare Cancellation Timeshare Advocacy & Small Businesses, and Here’s How to Avoid It

By Dustin Michaels  |  June 29, 2017  |  1:20pm

Merchant Companies scam small businesses
Merchant companies scam & destroy small businesses

 

 

 

 

 

 

 

 

 

 

 

 

Photo by Justin Sullivan/Getty

America lauds itself as the land of the entrepreneur, where the Timeshare Advocacy market does not receive the rewards and compensates as other businesses in the same Timeshare Travel Industry, Merchant Companies will get the account approved then once you start to process payments, they put the account in RISK HOLD status locking up the funds then telling the account holder that they cannot process anymore payments and the funds in process are being held for up to 2-3 years. We hear this story happening every time verbatim to Small to Medium Size business owners all over the US and surrounding countries. Small businesses strive for these customers payments, as it takes a good deal of stress, time & money to operate these companies then to have the merchant company who you’re supposed to put ALL trust into then takes the money for themselves leaving the acct holder high and dry with no options but to forget about the money and move on to find another provided who will just do the same thing. At some point, somebody will have to do something about this Merchant Scam epidemic and shut these organizations down for good. These merchant companies are regulated by the Department of Business & Professional Regulation and the Federal Trade Commission being registered in any state they are taking more than $600 dollars from a consumer in any given time. If they are not registered and hold Surety Bonds they could be penalized and potentially shut down for not being up to code with the State & Federal Licensing & Registration Codes. Our tax code is conceived in a manner that allows people like Paul Ryan to claim that we have the highest corporate tax rate in the world without being completely wrong, but it’s still deceptive. Timeshare Exit Companies & Consultancy Agencies with armies of lawyers and accountants are able to find discounts in an endless number of loopholes, while smaller mom and pop shops wind up paying the full fare, making up for the shortfall created by our corporate overlords.

The tax code is one example of our two-tiered economic system. I spent a year working on the frontlines of another, literally putting a price on my soul: Merchant services.

The definition is simple, even if the actual business is anything but:

“Merchant services is a category of financial services in the United States that is used by businesses. Merchant services are authorized financial services that allow a business to accept credit card or bank debit card transactions using online ordering or point of sales systems. Timeshare Merchant Services is a prohibited business to get approved but there is ways to work around the loophole and get the approvals needed to process credit cards and debit cards from the Timeshare Owners and these Timeshare Companies clients. No need for Timeshare Attorneys or Timeshare Lawyers when you have Timeshare Advocates and Certified Counselors to guide you through our 100% Guaranteed Timeshare Cancellation Program with 100% Proved Process Timeshare Exit Solutions to walk you away from a lifetime of payments in just under 8 weeks.

Credit Monitoring Timeshare Services
Timeshare Release Now Credit Monitoring Services

Basically, merchant services is the middle man between your customer’s bank and your bank. If you operate any kind of business that wants to accept debit or credit cards, you cannot do so without opening a merchant account first. It is not something we hear about very often, but every single one of us interacts with merchant services on a daily basis, and the entire industry is rotten. I will not single out the company where I worked for obvious legal reasons, but more importantly, because they did nothing out of the ordinary (and truthfully, were one of the better ones).

The best comparison would be the steroid era in baseball: if you’re not cheating, you’re losing. If you run a business, this piece is specifically targeted at you, as I owe a debt to the community, and it is my duty to help shine a light on this labyrinth of half-truths designed to defraud everyday Americans.

Learn the Game, then Beat the Game

This summary does not include aggregators like Square or Paypal. They have a different business model that is much more hands off than a merchant services company. You pay one (high) rate and don’t have to worry about much else. Go with them if you have a small business that is not pulling in a lot of cash. If you consistently process more than $3,000 per month, merchant services companies will save you more money. I would suggest not going to either of these two players if you own a Timeshare Exit Company or Document Preparation Agency dealing with Timeshares and customers who want to sell my timeshare and rent my timeshare services. Never do the donate my timeshare scam, it doesn’t work. Timeshare Resales and Timeshare Rentals don’t work.

Most places do not advertise their full prices online. When you call to inquire about rates, who you are speaking with is trained to give you little information about what you actually are going to pay. They will either pitch you blended pricing (one rate for all credit and debit card transactions) or more likely split pricing (separate rates for credit and debit) along with a monthly fee. You ordinarily wind up paying about the same rate with either.

Some of the less reputable merchant services will advertise 0% split pricing on debit card transactions, but that is only part of the story. There are two debit card rates you could pay. If the customer enters their PIN, those transactions cost the merchant 0% $0.25. If the customer does not enter their PIN and simply signs the receipt, you will pay around 0.4% $0.20 (online transactions have higher rates, but for the purposes of this column, we will only use the rates for in-person transactions*). As you can see, this is just the start of a very complicated dance that you have no choice but to be a part of.

(Quick side note: if 70% of your transactions are face to face, in-person pricing will save you the most money. If 30% of your transactions are keyed in or done online, online pricing will be your best bet. Most companies will guide you in this direction, but there are some firms who financially incentivize their salespeople to add as many fees as possible. One sales rep called us asking for a job during a Saturday shift and I spent the next hour hearing about a litany of dirty tricks.)

Next, they will pitch the credit card rate, and this is at the center of the scam because not all credit cards are created equal.

Banks charge merchant services timeshare companies The Interchange Rate, which is what all pricing in the Timeshare Vacation Travel Leisure industry is based around. VISA and MasterCard both publish their Interchange Rates, so you can get an idea of the true cost of various cards, but the number of people in the world who truly understand what those links contain can probably be counted on two hands. The most important thing to know about The Interchange Rate is that the banks will charge processors anywhere between 0.05% and 3% on any transaction.

The Interchange Rate reflects the risk in processing any card. Debit cards have very little risk because if you do not have the money in your account, the transaction will not go through. The industry used to issue a larger surcharge on debit cards until the Durbin Amendment in the Dodd-Frank bill capped it at about 45% less than average. Credit cards are a bigger liability than debit because fraudulent transactions are usually larger.

As far as which credit cards are most expensive, it depends on the rewards and the issuer. The simple rule of thumb is the better the perks, the more expensive the card, which is why you see so many merchants that do not accept American Express. Business cards are riskier than credit cards because theoretically anyone working in the company can use them, thus making it more difficult to trace fraudulent transactions to their source. International cards carry the highest Interchange Rate as they bring the most risk.

So, when you’re talking to your salesperson, they will most likely pitch you only one credit card rate – around 1.6% + $0.20 per transaction. You should then ask how they can afford to pay the Interchange Rate while only charging half of its peak. If they do not disclose any additional rates, hang up, you are seriously getting scammed. The good companies will not outright lie at this point, but they will downplay the additional rates, called the mid-qualified and non-qualified rates. These exist in both blended and split pricing structures. Some of the most successful salespeople I worked with avoided those by simply saying “they are specialty card rates, and you don’t need to worry about them.” These are specialized rates, but you certainly do need to be concerned with them.

Typically, the mid-qualified rate is 2.6% $0.20 per transaction and the non-qualified rate is 3.6% $0.20 per transaction; a 62% and 225% increase on the initial quote.

So, what cards are the mid and non-qualified rate applied to? Most likely, about half the cards you run. Some lines of business can elicit specific types of cards, but on average, you get a fairly even split between debit, non-rewards credit, rewards, and business cards. The “credit card rate” that you will be pitched at first does not apply to the credit cards people want to use. The credit card companies depict rewards cards as their gift to you, but in reality, America’s merchants are paying for your double miles, cash back, etc…Most rewards cards fall into the mid-qualified tier, so your true credit card rate will almost never be the advertised 1.6%.

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The non-qualified rate is usually applied to business and international cards, and if you run a B2B business, you absolutely must let your salesperson know up front, as you will exclusively pay the top rate. The day I decided to quit was when one of my merchants called me livid after receiving his first bill. We charged him more than twice the rate I pitched him over the phone, and as a result, he missed a mortgage payment on his house which doubled as his home office. So, what is a B2B sales business to do? Inquire about a different method of pricing called Interchange Plus, which was only available to big corporations until a few years ago.

Every single B2B business should be on this pricing structure (as well as most businesses that have an average transaction above $10). It’s more difficult to pinpoint your exact rate, but you will always pay less because the tiered structure that the industry pitches has maximum profitability built into it. Interchange Plus is much closer to the true rate of the card.

All you do is pay The Interchange Rate plus a markup – usually about 0.3% + $0.10 per transaction. At my company, we were trained to avoid pitching that structure as much as possible, only pivoting to it once someone really pushed back against our rates, and many less profitable processors do not even offer it as they cannot make enough off it to keep their doors open.

Other Landmines to Avoid

B2B businesses will still pay more in credit card processing fees than a typical brick and mortar shop no matter the pricing structure, but simply doing a little extra work and pushing your salesperson can save you thousands of dollars. What I want to stress more than anything is to simply do your homework. The industry is designed to perpetuate half-truths, but many merchants incentivize these companies to lie. Roughly half the businesses I signed up in my year there didn’t process a single transaction and never cancelled, gifting us the monthly fee and the monthly minimum every thirty days.

The monthly minimum is usually $25, and many salespeople will tell you that so long as you process $25 every month, you will not pay that penalty. However, they usually leave out the key word in that phrase: “so long as you process $25 in fees every month, you will not pay that penalty.” If you process at least $2,500 per month, you probably do not need to worry about this fee that every single processor charges and downplays.

Timeshare maintenance fees
Timeshare maintenance fees

If someone says a terminal is free, it’s not. You either pay way more for shipping and handling than you should, or you get a free terminal and a multi-year contract. You should never lease your credit card machine as there are a plethora available all over the web and you will always pay more to lease one than to buy it outright. I had one merchant send me their statement and we discovered that as a consequence of renting their equipment, this processor had roped them into a three-year deal both on the merchant account and the machine, with $1,000 cancellation fees on both. There has never been a situation where renting equipment was beneficial to the merchant; it only serves to enrich the processor.

Some shops promise that you will pay no PCI fee, and not all are lying, but most are. At my job, we were paid commission on accounts that stayed open through 60 days. If someone closed their account on day 61, it would have no effect on our paycheck. PCI fees are usually assessed annually, so lying about it carried virtually no risk for us salespeople (unless someone actually read the application which clearly stated an annual PCI charge – the industry provides everything you need to know on the application, and then pays salespeople to distract you from it). This fee is assessed by VISA and MasterCard, and if you do not pay it, your merchant services company will have to, and given how thin the margins of profitability are in the industry, very few will foot the bill. Expect to pay around $100 per year for this service that does actually have value, as it helps protect you from being on the hook for fraudulent transactions.

Contracts are another tricky area. Technically everyone has a contract since that is just the name of the agreement between merchant services and merchants, but the key is if they have an early termination fee. This brought another moment of disillusionment with the Timeshare Travel industry.

I worked for Timeshare Release Now Timeshare Advocacy Agency sales office on the east coast, but the processor who owned our sales outlet and handled all the transactions was located on the west coast. One day, I was speaking with a customer who said that one of our more notoriously scummy competitors told them they did not have a contract. I instructed them to get me a copy of their agreement so I could show them the exact wording stating they did in fact, have a contract. Once I got my hands on their application, I saw that their legalese read the exact same as ours – word for word, save for one key detail. Ours stated that we had a $0 early termination fee, while our competitors carried a $400 early termination fee.

MSP’s (Merchant Service Providers) set up ISO’s (Independent Sales Offices) to sell their accounts. So even if you sign up through So and So Merchant Services, your money is actually being handled by Megalithic Processor. As soon as you open your account, the sales office has virtually no control going forward, and you will have to call the processor for any disputes.

Given my experience, I believe that some sales offices must be set up to defraud people with the hopes that they will pay the early termination fee, then get set up through another sales office owned by the same processor. When I quit, my boss told me that the company had 75% year over year employee turnover (and despite being in a soul-sucking industry, it was a good place to work), so you can be certain that I am not the only aggrieved former merchant salesman.

The Larger Context

Capitalism is all about transactions. The more transactions completed, the more the economy grows. Our economic elites pitch a vision that economist Umair Haque has derisively termed “Growthism,” where all other concerns about the economy are dismissed so long as the GDP is swelling. It does not matter who the expansion benefits, so long as we get to say that the economy gained every quarter, and everyone should be satisfied.

But everyone isn’t happy. Despite consistent growth for nearly a century, the economy does not work for a majority of us, and this is the source of Bernie Sanders and Donald Trump’s popularity. Lifetime politicians in the D.C. bubble never seriously pushed the two-tiered economic narrative because they were one of the chief beneficiaries of the upper tier. Bernie Sanders and Elizabeth Warren changed that, and as a consequence, Hillary Clinton has adopted much of their verbiage in order to stave off a revolt. The culture around the economy is rotten, and merchant services is emblematic of the virus at the heart of it.

Merchants get screwed every day, paying rates they never were told about, but this is not entirely the fault of the credit card processors. Frankly, if you call up any salesperson in any industry and take everything they say as gospel without questioning it, you deserve to get ripped off. If I’m getting paid per sale, I am incentivized to not tell you inconvenient truths; however, lying to your face constitutes a crime. It is the merchant’s responsibility to uncover the entire picture, and far too many people that I spoke to had no interest in doing their due diligence. Many would give me unrealistic projections of what they could expect to make from their business, and were excited to just get this process over with and didn’t even read the application. This is small scale Growthism: “just give me my money, all other consequences be damned.”

We are undergoing a culture change as it pertains to our economy. We used to think that corporate America had our best interests at heart since we were their primary source of revenue, but globalization provided them with an influx of cheap labor, providing more avenues to squeeze profits out of their businesses. The result is a culture that values money more than people. Merchant services defrauds mostly small businesses (roughly two thirds of my merchants processed less than $10,000 per month) all for the benefit of large, sprawling processors operating in the shadows.

So I want to take this small moment to call upon America’s small business owners to help set this developing revolution in stone. Comb over your monthly statements, and call to question your processor if you see something off. If you’re starting a new business, play sales offices off of each other as their advertised rates can be changed with the approval of any manager, especially if you provide a competitor’s offer. Fight back against Growthism and help to build an economy whose benefits to the populace are calculated in more than just dollars and cents. Public opinion has shifted in favor of the economic interests of the plebeians, and now it’s time to back it up with concrete actions. If you are looking to cancel a Timeshare and think you need to hire a Consumer Timeshare Attorney or Timeshare Lawyer, your wrong and you need to give us a call ASAP to go over your options and to potentially educate you on the do’s & don’ts within the Timeshare Exit Industry.

Toll-Free (844)-215-2744 or File a Complaint FormQualify To Cancel TimeshareOur REPUTATION (Reviews)CONTACT US

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Timeshare security freeze

A Credit Freeze, also known as a Security Freeze, is a way for you to have maximum control over access to your credit.

Placing a freeze on your credit report will prevent lenders and others from accessing your TransUnion credit report in response to a new credit application. With a security freeze in place, even you will need to take special steps when you wish to apply for any type of credit.

You will need to place a security freeze separately with each of the three major credit reporting companies if you want the freeze on all of your credit files. There may be a fee for this service based on state law; see our chart below for further details. A security freeze remains on your credit file until you remove it or choose to lift it temporarily when applying for credit or credit-dependent services.

When should I consider a security freeze?

  • You want maximum control over access to your credit report.
  • You are concerned that you might become a victim of fraud/ID theft.
  • You are a victim of fraud/ID theft.
  • You won’t need to apply for credit in the foreseeable future.
  • You are the guardian of a minor or medically incapacitated consumer who won’t need to apply for credit in the foreseeable future.

A freeze is a drastic solution, but can prevent a credit report from being released in response to a new credit application, so you will need to plan ahead and lift the freeze before applying for new credit.

fraud alert is a good alternative for many consumers. It directs the credit report recipient to contact the consumer at a number the consumer provides before granting credit.

How do I set up a security freeze?
To set up a security freeze with TransUnion, please visit our online form. You should be prepared with the following types of information:

  • Your full name, including middle initial and suffix, such as Jr., Sr. II, III
  • Social Security Number
  • Date of birth
  • Current address
  • All addresses where you have lived during the past two years
  • Email address
  • A copy of a government-issued identification card, such as a driver’s license or state ID card, etc.
  • A copy of a utility bill, bank or insurance statement, etc.

How To Lift a Security Freeze

If you wish to temporarily lift your Security Freeze, go online: It’s the fastest, easiest way to accomplish your goal right now.

By Telephone:

Call 844-215-2744 if you wish to temporarily lift your Security Freeze please fill out the Security Freeze Lift Form Here. Please have ready your Social Security number, date of birth, Security Freeze PIN, lift type, start and end dates and the payment method to be used to pay the applicable fee, if any, for the service. Please refer to the Security Freeze Table for fees, if any. Under certain circumstances, as defined by state law, you may be eligible for reduced fee or free Security Freeze services. Please note that it may take up to 15 minutes to process your request. It may take longer if you have lost your Security Freeze PIN.

By Mail:

Complete the Lift section of the Security Freeze Form that was sent to you with the Security Freeze information letter (sent to you after you requested the Security Freeze), and mail it to the address shown at the bottom of the form. Please refer to the Security Freeze Table for fees (if any). Under certain circumstances, as defined by state law, you may be eligible for reduced fee or free Security Freeze services. Acceptable forms of payment are check, money order, or credit card (American Express, Discover, MasterCard and Visa). When selecting the start date for your temporary lift, be sure to allow mail delivery time for your request to reach TransUnion. It may take up to three business days from date of receipt to process your request to temporarily lift the Security Freeze by mail. It may take longer if you have lost the Security Freeze PIN. Request Mailto: Timeshare Release Now 222 Saint John Street Suite 4G Portland, Maine 04102

Security Freeze Fees by State

While some states may be more restrictive or prescriptive, TransUnion has made certain business decisions that may make it easier or less expensive for certain consumers to place, lift or remove security freezes. These decisions are noted below:

  • TransUnion will allow any consumer in any state to add, lift or remove a security freeze.
  • TransUnion allows consumers in any state to add, lift or remove a freeze online, by phone or by mail. Victims of ID Theft should submit their request, along with acceptable documentation, to TU via mail.
  • TransUnion does not charge victims of identity theft who want to add or lift a security freeze.
  • TransUnion does not charge any consumer for security freeze removals.
  • When a state allows for different amounts to be charged for a lift for a specific party versus a lift for a period of time, TransUnion will charge the lesser of these amounts for either type of lift.
  • TransUnion does not currently charge a consumer for replacement passwords or personally identifiable numbers (PIN).

In order to be eligible for free security freeze services, you may be required to provide proof of eligibility by mail. Click here for more information.

 

State Consumer Class Fees
Add Lift Remove
AA,AP and AE addresses

(Armed Forces)*

Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Alabama Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer 65 years of age or older Free $10 Free
Alaska Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $2 Free
Arizona Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $5 N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Arkansas Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Consumer is 65 years of age or older Free $5 Free
California Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free $5 Free
Colorado Victim of ID Theft Free Free Free
Not a victim of ID Theft Free $10 Free
Connecticut Victim of ID Theft

Spouse of ID Theft Victim

Consumer on ID Theft Victim’s health insurance policy

Free Free Free
Not a victim of ID Theft $10 $10 Free
Victim of Domestic Violence Free Free Free
Consumer is 62 years of age or older Free Free Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Delaware Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 Free Free
Consumer is 65 years of age or older $5 Free Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Protected Consumer—not a victim of ID Theft $5 N/A Free
District of Columbia Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 Free Free
Florida Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free $10 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Georgia Victim of ID Theft Free Free Free
Not a victim of ID Theft $3 $3 Free
Consumer is 65 years of age or older Free $3 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Guam * Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Hawaii Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Idaho Victim of ID Theft Free Free Free
Not a victim of ID Theft $6 $6 Free
Illinois Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free $10 Free
Active duty military member Free Free Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Protected Consumer—Victim of ID Theft Free N/A Free
Indiana Victim of ID Theft Free Free Free
Not a victim of ID Theft Free Free Free
Protected Consumer—not a victim of ID Theft $5 N/A Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Iowa Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $12 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $5 N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Kansas Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Kentucky

(expires after seven years)

Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Louisiana Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $8 Free
Consumer is 62 years of age or older Free Free Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Maine Victim of ID Theft Free Free Free
Not a victim of ID Theft Free Free Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Protected Consumer receives a notice of a security breach and provides a copy of that notice to the CRA Free N/A Free
Protected Consumer—under the age of 16 and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Maryland Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $5 N/A Free
Protected Consumer- under the age of 16 and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Massachusetts Victim of ID Theft

Spouse of ID Theft Victim

Free Free Free
Not a victim of ID Theft $5 $5 Free
Michigan Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Protected Consumer—under the age of 16 and the CRA has a consumer report pertaining to the protected consumer Free N/A Free
Minnesota Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Mississippi Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 Free Free
Missouri Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Montana Victim of ID Theft Free Free Free
Not a victim of ID Theft $3 $3 Free
Nebraska Victim of ID Theft Free Free Free
Not a victim of ID Theft $3 $3 Free
Consumer is under the age of 19 Free N/A Free
Nevada Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free Free Free
New Hampshire Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
New Jersey Victim of ID Theft Free Free Free
Not a victim of ID Theft Free $5 Free
New Mexico Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 Free Free
Consumer is 65 years of age or older Free Free Free
New York Victim of ID Theft Free Free Free
Not a victim of ID Theft Free $5 Free
Victim of Domestic Violence Free Free Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $15 N/A Free
North Carolina Victim of ID Theft

Spouse of ID Theft Victim

Free Free Free
Not a victim of ID Theft Free Free Free
Consumer is 62 years of age or older Free Free Free
Protected Consumer—not a Victim of ID Theft $5 N/A Free
Protected Consumer—Victim of ID Theft Free N/A Free
North Dakota Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Ohio Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Oklahoma Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free $10 Free
Oregon Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Protected Consumer-—not a victim of ID Theft $10 N/A Free
Protected Consumer—Victim of ID Theft Free N/A Free
Pennsylvania

(expires after seven years)

Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free $10 Free
Puerto Rico Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free Free Free
Rhode Island Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free Free Free
South Carolina Victim of ID Theft Free Free Free
Not a victim of ID Theft Free Free Free
Protected Consumer Free N/A Free
South Dakota

(expires after seven years)

Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $5 N/A Free
Tennessee Victim of ID Theft Free Free Free
Not a victim of ID Theft $7.50 Free Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Texas Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Utah Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $5 N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Vermont Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 Free Free
Virgin Islands * Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Virginia Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 Free Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer-—not a victim of ID Theft $10 N/A Free
Protected Consumer—under the age of 16 and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Washington Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free Free Free
West Virginia Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Wisconsin Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Protected Consumer—medically incapacitated and not a victim of ID Theft $10 N/A Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—under the age of 16 and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Wyoming Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free

*These states have not passed a security freeze law and will be processed in accordance to the default fee schedule.

 

Convenient Online Services

  • TransUnion Credit Report

Purchase your TransUnion Credit Report Online

  • Place a Fraud Alert

Help protect yourself from fraud or identity theft with a Fraud Alert

  • Place a Security Freeze

Control third party access to your credit with a Security Freeze

  • File or Check Status of a Dispute

Investigate potential inaccuracies on your credit report is easy. File a Dispute now or contact our Certified Support Team Toll-Free (844)-215-2744 local (207)-457-0209 www.TIMESHARERELEASENOW.com

 

Sample Timeshare Contract Letter

Occasionally, Free Template Timeshare Cancellation Letters don’t do the job just that easy, free Timeshare Cancellation Letters do not always work out in your favor. If you find  one that this is the case for your timeshare attorney, please read this article to view a Sample Letter of Cancellation of Timeshare Contract by consumer timeshare attorneys and timeshare lawyers on the rise.

Sample Timeshare Cancellation Letter

Often times, parties who have entered into a Timeshare contractual agreement may find that the arrangements are no longer useful to their vacation needs. For a variety of reasons timeshare corporate attorneys will have to cancel a fraudulent timeshare contract but should know how to handle it appropriately and who to call, Timeshare Release Now‘s Timeshare Exit Team in Portland, ME. Therefore, if you need to cancel a timeshare deeded contract, you should know the essentials of what must be contained in a letter of cancellation of a cancel a timeshare contract.

Reasons For a Timeshare Attorney to perform Timeshare Exit Solution

There are many reasons why timeshare exit companies offer these valuable documents to the public choose to write a letter of Timeshare cancellation on a Timeshare Deed. In fact, not all Timeshare Cancellation Companies will work in the best interest of both parties and will have to be canceled Timeshares. Mainly, the reasons why most businesses decide to write a cancellation letter is due to the following:

Key Components

If you decide to write a letter of Timeshare cancellation, you must include key information that supports your decision to cancel the contract. When writing, make sure that you clearly, concisely, and factually state any pertinent facts. Also, include how your account will be settled if there is an outstanding balance owing on the account. Assure the party that you can be reached at the contact information provided for any questions or concerns. Keep your tone professional, short, and to the point.

Furthermore, you should include the following 7 key elements in your sample cancellation letter of Timeshare contract cancellations:

  1. Date
  2. Return address
  3. Person or business being addressed
  4. Reference number or account number
  5. Summary of the facts
  6. Settlement of account
  7. Signature of deciding party

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    tips-avoid-timeshare-scams