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Case Studies

Real cases. Real violations.
Real outcomes.

No stock photos. No made-up names. No vague testimonials about "peace of mind." These are actual cases showing specific statutory violations we identified and the outcomes we achieved. Client information is anonymized for privacy.

Case
The Inheritance Trap
Timeline
127 days
Outcome
Deed released

Client Situation

Retired couple, mortgage paid off, protecting children from inherited debt

Retired couple purchased during a vacation. Mortgage paid off in 2017. Haven't used the property since 2019 due to health limitations. Primary concern: perpetuity clause would transfer the obligation to their adult children upon death — a detail never mentioned during the 4-hour sales presentation.

Resort
Major Orlando Resort Developer
Location
Orlando, FL
Purchase Year
2009
Fee Escalation
$1,247/year → $2,840/year

Violations Identified

  • —Perpetuity clause and inheritance liability not disclosed during sales presentation (FL Stat. § 721.07)
  • —Misrepresentation that the timeshare could be 'easily sold or transferred' at any time
  • —Failure to provide written disclosure of uncapped maintenance fee escalation

Resolution & Financial Impact

Deed released achieved in 127 days.

Eliminated $2,840/year obligation and prevented inheritance transfer to children. Lifetime liability avoided: $85,000+
Case
The Double Burden
Timeline
203 days
Outcome
Deed released with financial recovery

Client Situation

Working family, underwater on mortgage + maintenance fees, significant monthly strain

Purchased during an 'owner update' meeting that was presented as a brief loyalty reward session. Lasted 5 hours. Client was pressured into upgrading existing ownership with additional financing. Currently paying $387/month mortgage plus $204/month maintenance fees — $591/month total for a property they've used once in six years.

Resort
National Points-Based Developer
Location
Branson, MO
Purchase Year
2018
Fee Escalation
$1,890/year → $2,450/year

Violations Identified

  • —High-pressure sales tactics during 'owner update' exceeding 90-minute presentation guidelines
  • —Material misrepresentation of upgrade value and point flexibility
  • —Failure to disclose that financing APR (17.9%) exceeded state usury guidelines for similar consumer products
  • —Verbal promises of rental income potential ($800–1,200/month) not reflected in written disclosures

Resolution & Financial Impact

Deed released with financial recovery achieved in 203 days. Client received $4,200 in financial recovery.

Eliminated $591/month payment obligation. Remaining mortgage balance forgiven. Total debt eliminated: $31,400
Case
The Fixed Income Squeeze
Timeline
94 days
Outcome
Deed released

Client Situation

Widowed retiree on fixed income, maintenance fees consuming nearly 10% of annual income

Widowed retiree on Social Security. Mortgage paid off in 2019. Maintenance fees have increased 122% since purchase — from $980 to $2,180/year — while income remained fixed. Client was told during sales that fees 'rarely increase more than 2-3% annually' and that the resort 'had never had a special assessment.' Three special assessments have been levied since 2016.

Resort
Major Branson Resort Developer
Location
Branson, MO
Purchase Year
2011
Fee Escalation
$980/year → $2,180/year

Violations Identified

  • —Oral misrepresentation of maintenance fee stability and historical increase rates
  • —Failure to disclose that maintenance fees have no statutory cap and can increase without limit
  • —False statement regarding special assessment history
  • —Rescission period disclosure printed in 8pt font, below statutory minimum readability requirements

Resolution & Financial Impact

Deed released achieved in 94 days.

Eliminated $2,180/year obligation representing 9.2% of annual Social Security income. 20-year projected liability avoided: $65,000+
Our Analysis

What we look for in every contract

Our attorneys analyze each contract against state and federal consumer protection statutes. Here are the most common violation categories:

Disclosure Failures

Rescission periods not properly communicated, perpetuity clauses buried or omitted, fee escalation not disclosed in writing

Sales Presentation Violations

Presentations exceeding state-mandated time limits, high-pressure tactics, failure to allow cooling-off period

Material Misrepresentation

False statements about resale value, rental income potential, exchange availability, or fee stability

Financing Irregularities

APR disclosure failures, misleading loan terms, failure to comply with Truth in Lending Act (TILA)

Contract Formation Issues

Unconscionable terms, contracts signed under duress, capacity issues, improper venue selection

What You Receive

The fraud analysis report

Every client receives a formal written analysis documenting the specific violations found in their contract, the financial liability they're exposed to, and the legal basis for pursuing cancellation.

This isn't a generic letter. It's a contract-specific legal audit that identifies statutory violations, projects your long-term financial exposure, and provides a clear recommendation based on the evidence.

What you see here is an excerpt from an actual report with client details redacted. The full version includes complete statutory citations, case law references, and our proprietary severity assessment.

Fraud Analysis Report
Legal Compliance Audit
HIGH PRIORITY
Client Name
Jonathan A. Mitchell
Case ID
FR-MIT-2026-0847
Resort
Grand Palms Vacation Resort
Audit Date
January 2026
Fraud Severity Assessment
89/ 100
Priority Level: High Priority
Statutory Violations: 3 Flagged
Operational Issues: 2 Identified
Statutory Violations Assessment
Violation CategoryPtsDescription
FTC Act (Deceptive Practices)30Oral misrepresentation of timeshare as a liquid asset or investment opportunity
State Consumer Protection Law20Failure to disclose statutory cooling-off period and rescission rights
Consumer Protection Fee Disclosure10Failure to disclose that maintenance fees have no statutory cap
Financial Liability Analysis
Current Annual Cost
$3,500
10-Year Projection
$46,214
30-Year Legacy Liability
$174,623
Operational Irregularities
  • Client unable to book desired weeks despite paying annual fees
  • Promised rental income did not materialize as represented at sale
Legal Recommendation
Proceed to Legal Termination
Strong evidence of statutory violations provides sufficient leverage for attorney-led contract cancellation.

Excerpted from actual report · Client details blurred for privacy · Scoring methodology proprietaryGenerated by Automated Fraud Analysis System

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