Navigating timeshare ownership can become overwhelming when unexpected medical emergencies arise. If you’re facing significant medical hardship, understanding your options for timeshare cancellation is crucial. A well-crafted hardship letter is often the first step in requesting release from your timeshare contract. This letter clearly explains your situation, providing documentation to support your claims. These templates aim to provide a starting point for crafting a compelling hardship letter, emphasizing the impact of your medical condition on your ability to afford or utilize the timeshare.
These sample letters cover a range of medical situations, from chronic illness and disability to unexpected surgeries and long-term care needs. While these templates provide a strong foundation, remember to personalize them with specific details about your circumstances and medical condition. Always include supporting documentation, such as doctor’s notes, hospital bills, or disability benefit statements. Keep copies of everything you send, and consider sending your letter via certified mail for proof of delivery.
Sample Hardship Letter Templates for Timeshare Cancellation (Medical)
Sample Letter 1: General Medical Hardship
[Your Name]
[Your Address]
[Your Phone Number]
[Your Email Address]
[Date]
[Timeshare Company Name]
[Timeshare Company Address]
Subject: Request for Timeshare Cancellation – Medical Hardship
Dear [Timeshare Company Contact Person or Department],
I am writing to request cancellation of my timeshare contract, account number [Your Timeshare Account Number], due to unforeseen and significant medical hardship. Recently, I have been diagnosed with [Your Medical Condition], which has resulted in [Describe the impact on your ability to work, finances, or travel]. As a result, I am no longer able to afford the annual maintenance fees and other associated costs of the timeshare, nor am I physically able to utilize it. I have enclosed supporting documentation from my physician outlining my medical condition and its impact. I respectfully request that you consider my situation and grant me a release from my timeshare contract. Thank you for your time and consideration.
Sincerely,
[Your Signature]
[Your Typed Name]
Sample Letter 2: Chronic Illness
[Your Name]
[Your Address]
[Your Phone Number]
[Your Email Address]
[Date]
[Timeshare Company Name]
[Timeshare Company Address]
Subject: Timeshare Cancellation Request – Chronic Illness
Dear [Timeshare Company Contact Person or Department],
I am writing to formally request the cancellation of my timeshare agreement, contract number [Your Timeshare Account Number]. I have been diagnosed with a chronic illness, [Specific Chronic Illness], which requires ongoing and expensive medical treatment. This unforeseen and permanent change to my health and financial situation makes it impossible for me to continue paying the maintenance fees and utilizing the timeshare. The cost of my medical care has placed a significant strain on my finances. I have attached documentation from my doctor confirming my diagnosis and the associated financial burdens. I hope you will understand my situation and grant me a release from this contract. Thank you for your consideration.
Sincerely,
[Your Signature]
[Your Typed Name]
Sample Letter 3: Unexpected Surgery
[Your Name]
[Your Address]
[Your Phone Number]
[Your Email Address]
[Date]
[Timeshare Company Name]
[Timeshare Company Address]
Subject: Timeshare Cancellation Request – Unexpected Surgery
Dear [Timeshare Company Contact Person or Department],
I am writing to request cancellation of my timeshare contract, account number [Your Timeshare Account Number], due to the financial hardship caused by a recent and unexpected surgery. I underwent [Type of Surgery] on [Date of Surgery] and the associated medical bills, recovery costs, and lost wages have created a significant financial burden. I am no longer able to afford the annual maintenance fees and the possibility of future travel is uncertain. Please find attached supporting documentation, including medical bills and doctor’s statements, to verify my situation. I respectfully request that you consider my request for cancellation. Thank you for your understanding.
Sincerely,
[Your Signature]
[Your Typed Name]
Sample Letter 4: Long-Term Care Needs
[Your Name]
[Your Address]
[Your Phone Number]
[Your Email Address]
[Date]
[Timeshare Company Name]
[Timeshare Company Address]
Subject: Timeshare Cancellation Request – Long-Term Care Needs
Dear [Timeshare Company Contact Person or Department],
I am writing to request cancellation of my timeshare contract, account number [Your Timeshare Account Number], due to the financial strain of needing long-term care. I require [Type of Long-Term Care] which incurs significant expenses. I am no longer able to afford the annual maintenance fees associated with my timeshare, and my focus must be on prioritizing my healthcare needs. I have enclosed documentation from my physician and care facility outlining my situation. I respectfully request that you consider my circumstances and release me from my timeshare obligations. Thank you for your consideration.
Sincerely,
[Your Signature]
[Your Typed Name]
Sample Letter 5: Disability
[Your Name]
[Your Address]
[Your Phone Number]
[Your Email Address]
[Date]
[Timeshare Company Name]
[Timeshare Company Address]
Subject: Request for Timeshare Cancellation – Disability
Dear [Timeshare Company Contact Person or Department],
I am writing to request the cancellation of my timeshare contract, account number [Your Timeshare Account Number], due to my recent disability. As a result of [Describe the Disability], I am no longer able to work and my income has been significantly reduced. I am also unable to travel and utilize the timeshare. I have included supporting documentation from my doctor and disability benefits provider. I respectfully request that you consider my situation and grant me a release from my timeshare contract. Thank you for your time and consideration.
Sincerely,
[Your Signature]
[Your Typed Name]
Sample Letter 6: Spouse’s Medical Hardship
[Your Name]
[Your Address]
[Your Phone Number]
[Your Email Address]
[Date]
[Timeshare Company Name]
[Timeshare Company Address]
Subject: Request for Timeshare Cancellation – Spouse’s Medical Hardship
Dear [Timeshare Company Contact Person or Department],
I am writing to request the cancellation of my timeshare contract, account number [Your Timeshare Account Number], due to the medical hardship my spouse, [Spouse’s Name], is experiencing. [Spouse’s Name] has been diagnosed with [Spouse’s Medical Condition], which requires extensive and costly medical treatment. This has created a significant financial burden on our household, making it impossible to continue paying the timeshare maintenance fees. We have attached supporting documentation, including medical bills and doctor’s notes. I respectfully request that you consider our situation and release us from the timeshare contract. Thank you for your understanding.
Sincerely,
[Your Signature]
[Your Typed Name]
Sample Letter 7: Increased Medical Expenses
[Your Name]
[Your Address]
[Your Phone Number]
[Your Email Address]
[Date]
[Timeshare Company Name]
[Timeshare Company Address]
Subject: Request for Timeshare Cancellation – Increased Medical Expenses
Dear [Timeshare Company Contact Person or Department],
I am writing to request cancellation of my timeshare contract, account number [Your Timeshare Account Number], due to a significant and unexpected increase in my medical expenses. These rising costs, due to [Reason for increased expenses, e.g., new medication, treatment, specialist visits], have placed an unbearable strain on my finances. Consequently, I am no longer able to comfortably afford the maintenance fees and related expenses associated with my timeshare. I have enclosed copies of recent medical bills and insurance statements as proof of these increased costs. I respectfully request that you consider my situation and approve my request for cancellation. Thank you for your time and consideration.
Sincerely,
[Your Signature]
[Your Typed Name]
Sample Letter 8: Inability to Travel
[Your Name]
[Your Address]
[Your Phone Number]
[Your Email Address]
[Date]
[Timeshare Company Name]
[Timeshare Company Address]
Subject: Request for Timeshare Cancellation – Inability to Travel Due to Medical Condition
Dear [Timeshare Company Contact Person or Department],
I am writing to request cancellation of my timeshare contract, account number [Your Timeshare Account Number], because I am no longer able to travel due to my declining health. My medical condition, [Specific Medical Condition], has significantly restricted my mobility and ability to safely travel. Doctor’s notes, attached to this letter, restrict my ability to travel far from home. This makes using the timeshare impossible for me. Therefore, I respectfully request to be released from the contract. Thank you for your understanding and consideration.
Sincerely,
[Your Signature]
[Your Typed Name]
These templates are intended as a guide and should be adapted to reflect your specific situation. Remember to be honest, clear, and provide supporting documentation. Consult with an attorney or consumer protection agency for advice specific to your situation and jurisdiction. While there’s no guarantee of cancellation, a well-documented and compelling hardship letter significantly increases your chances of a favorable outcome. Focus on clearly articulating the impact of your medical condition on your financial stability and ability to utilize the timeshare.
