Timeshare exit scams: mmoa nnwumakuw ne resale broker wire nsisi¶

Mpɛn pii no, bere a wɔde di dwuma no wurayɛ fi ase wɔ anidaso mu wɔ nnapɔnna ho ɔkasa a ɛyɛ anigye mu, nanso ɛdan sikasɛm mu adesoa a ɛyɛ kɛse ntɛmntɛm. Afe biara, wɔn a wɔwɔ deeded ne akwamma kuw no mufo hyia afe afe nsiesie ho ka a ɛkɔ soro, sika titiriw a wɔbɔ wɔ nhwehwɛmu ho a wɔnhwɛ kwan, ne apam mu asɛyɛde ahorow a ɛkɔ so daa a ɛkɔ so daa. Sɛ wuranom hwehwɛ ɔkwan a wɔbɛfa so afi mu a, wohu sɛ atetesɛm mu adan ne afie ho gua a ɛto so abien a wɔde kyɛ bere mu no ntaa mma, na ɛma wɔn ho pere wɔn sɛ wobesiesie.

Saa mmerɛwyɛ yi ma nsisi nhyehyɛe abien a ɛyɛ hu: timeshare exit relief scam ne nnaadaa resale broker wire nsisi nhyehyɛe. Wɔn a wɔfrɛ wɔn a wɔmmisae, nkrataa a wɔde mena tẽẽ, ne radio so dawurubɔ hyɛ bɔ sɛ wɔbɛtwa bere a wɔde kyɛ apam no mu a wɔahyɛ ho bɔ anaasɛ wɔkyerɛ sɛ wɔwɔ adwumakuw bi a ɔpɛ sɛ ɔtɔ ade a wasiesie ne ho sɛ ɔbɛtɔ w’akwamma bere no de agye dɔla mpempem pii. Adwumayɛ no nyinaa yɛ sikasɛm mu afiri a wɔayɛ no fɛfɛɛfɛ a wɔayɛ sɛ wɔde beyi wɔn a wɔde wɔn sie ansa na wɔayɛ, sika a wɔbɔ wɔ nnaadaa kwan so sɛ wɔbɛto mu, ne atoro escrow wire transfer ansa na asisifo no ayera.

flowchart TD
    A["Nkitahodi a wɔammisa a ɛde timeshare cancellation anaasɛ adetɔfo a ne ho pere no ma"] --> B{"So adwumakuw no hwehwɛ sɛ wotua sika ansa na wɔawie sɛ wobefi mu?"}
    B -->|"Aane"| C["Gyae nkitahodi nyinaa: 100% kyerɛ sɛ wɔadi kan tua nsisi"]
    B -->|"Dabi, nanso ɛde apam ahorow a wɔnhwɛ kwan mena"| D["Hwɛ sɛ real estate broker tumi krataa wɔ ɔman tumi krataa board"]
    C --> E["Hwɛ official developer deed-back nhyehyɛe no tẽẽ ne ahomegyebea"]
    D --> E
    E --> F{"So ahomegyebea developer de ne ho ma wɔ ɔkwan a ɛfata so anaasɛ deed-back ma?"}
    F -->|"Aane"| G["Fa developer official certified exit department so bisa"]
    F -->|"Dabi, na ɔda so ara de dan ka"| H["Hwehwɛ mmara kwan so afotu anaa adetɔfo sikasɛm ho akasakasa mu"]
    C --> I{"So na wɔde nhama akɔma sika dedaw anaasɛ wɔde credit card atua?"}
    I -->|"Yiw, wire transfer"| J["Kanyan SWIFT a egye ntɛmpɛ ne ofie wire recall wɔ nnɔnhwerew 72 ntam"]
    I -->|"Yiw, sika a wɔde gye sika"| K["Fa akasakasa a ɛfa sikatua ho ntɛm ara wɔ Fair Credit Billing Act ase"]
    I -->|"Sika biara a wɔde bɛmena"| L["Siw nkitahodi nɔma ano na fa amanneɛbɔ kɔma FTC ne ɔman AG"]

Yɛ eyi mprempren¶

Sɛ mprempren wo ne timeshare exit company anaa resale broker redi nkitaho a ɔrehwehwɛ sika a, yɛ ahobammɔ anammɔn yi ntɛm ara:

1. Gyae sikatua nyinaa na pow sɛ wode wo nsa bɛhyɛ tumi krataa anaa obi foforo a wɔde bɛma obi foforo ho apam ase:
   • Gyae sikakorabea biara a ɛda so ara wɔ telefon so de mena, fa sika a wɔde tua fie a wɔde sika gu mu a wɔde di dwuma wɔ ɔkwan a ɛyɛ adwuma so no to nwini, na pow sɛ wode credit card nɔma bɛma.
   • Mfa wo nsa nhyɛ tumi krataa anaa nkrataa a ɛkyerɛ sɛ wode wo wurayɛ kɔ adwumakuw bi a wonnim a ɛwɔ asɛyɛde mu no ase.
   • Adan ne afie ho aguadifo a wɔfata ne wɔn a wɔto mu wɔ mmara kwan so no twe sika a wotua fi sika a wonya fi adetɔn mu wɔ bere a wɔato mu no mu sen sɛ wɔbɛhwehwɛ sɛ wotua ho ka ansa na wɔayɛ.
2. Fa adwumakuw akwan a wɔagye atom so ne wo ahomegyebea developer no nni nkitaho tẽẽ:
   • Frɛ adetɔfoɔ dwumadie nɔma titire a wɔatintim wɔ wo mfitiaseɛ timeshare deed anaa afe afe nsiesie ho ka krataa so.
   • Bisa dwumadibea a ɛwɔ ahomegyebea no adansedi krataa a ɛma wofi hɔ, deed-back, anaa nneɛma a wɔde asie no ma wɔnhwɛ sɛ wo ahomegyebea no gye wɔn a wofi wɔn pɛ mu de wɔn ho ma no tom anaa.
   • Hwɛ tẽẽ sɛ ebia nea ɔtɔn nneɛma foforo, adwumakuw a ɛhwɛ nneɛma so, anaa adetɔfo a ɔne wo di nkitaho no ne nea ɔreyɛ ahomegyebea no adi nkitaho pɛn anaa.
3. Trigger an emergency wire recall sɛ wɔde sika akɔma dedaw a:
   • Frɛ wo sikakorabea wire transfer operations department a wode mena no ntɛm ara na hwehwɛ sɛ wɔsan frɛ wo wɔ ɔkwan a ɛfata so esiane nsɛmmɔnedifo wire nsisi nti.
   • Bisa sɛ wo sikakorabea no ne beneficiary bank risk department no nni nkitaho na wɔmfa sika nsie ansa na wɔayi anaa wɔadan no cryptocurrency.
   • Fa nsɛm a egye ntɛmpɛ kɔma Federal Bureau of Investigation Internet Crime Complaint Center wɔ ic3.gov na ama Sikasɛm mu Nsisi Kum Nkɔnsɔnkɔnsɔn no nyɛ adwuma.
4. Ahwehwɛ adanse a ɛkyerɛ sɛ ɔman no adan ne afie tumi krataa ne honam fam escrow akontaabu:
   • Hwehwɛ sɛ aguadifo no de wɔn ankorankoro adan ne afie tumi krataa nɔma ne adwumakuw no dinkyerɛw ho nsɛm ma.
   • Hwehwɛ wo mantam adan ne afie ho tumi krataa board ne ɔman a timeshare ahomegyebea no wɔ ankasa no intanɛt so database.
   • Fa ɔmanfo telefon nɔma di dwuma de di insurance adwumakuw a wɔkyerɛ sɛ ɔwɔ title anaa escrow agent no ho nkɔmmɔ tẽẽ de hwɛ sɛ escrow akontaabu no yɛ nokware.
5. Bɔ telefon so aguadi ne waya so nsisi a ɛyɛ nnaadaa ho amanneɛ kyerɛ mmarahyɛ baguafo:
   • Fa amanneɛbɔ a ɛkɔ akyiri kɔma Federal Trade Commission wɔ ReportFraud.ftc.gov ne wo mantam mmaranimfo panyin adetɔfo division.
   • Fa anwiinwii krataa kɔma bagua a ɛma adan ne afie ho tumi krataa wɔ ɔman a adwumakuw a ɛyɛ nnaadaa no ka sɛ ɛyɛ adwuma wom no.
   • Bɔ Amerika Ahomegyebea Nkɔso Fekuw Ahomegyebea Wuranom Nkabom Kuw no nsisi ho kyerɛwtohɔ no amanneɛ na bɔ wo mfɛfo wuranom kɔkɔ.

Anatomy a ɛfa timeshare exit ne resale wire nsisi nhyehyɛe no ho¶

Nnwuma a wɔde di dwuma ɔkwammɔne so a wɔde wɔn ani si timeshare wuranom so no gu nhyehyɛe mu akuw abien a ɛtrɛw mu: adwumakuw a wɔde mmoa ma ansa na wɔayɛ no nsisi ne amanaman ntam resale broker wire nsisi. Wɔn baanu nyinaa de wɔn ho to ahotɔ a wɔayɛ so fi sikasɛm mu asɛyɛde ahorow a ɛtra hɔ daa ho, nanso ɛsono sɛnea wɔyɛ wɔ mfiridwuma mu no kɛse.

Mmoa a wɔde ma ansa na wɔayɛ no denam afie mu aguadidan a wɔde nsu gu mu, radio so dawurubɔ ahorow a wɔboa, ne ahɔhodan mu apontow ho nsɛm a wɔka so na ɛyɛ adwuma. Nnwumakuw a wɔyɛ nnaadaa a wɔde fi mu no de wɔn ani si nkwakoraa ne mmerewa ne wɔn a wɔde bere tenten akyɛ wɔn a wɔte nka sɛ afe afe nsiesie ho ka a ɛboro dɔla mpem abien afe biara no akyere wɔn no so. Adwumakuw no ka sɛ wɔde mmara kwan so akwan a ɛyɛ wɔn de, mmaranimfo a wɔbɔ adetɔfo ho ban, anaa aguadi mu ahintasɛm ho akwan titiriw di dwuma de hyɛ wɔn a wɔde wɔn ho hyɛ mu no ma wogyae apam ahorow.

Nokwarem no, saa nnwumakuw yi boaboa sika a wɔadi kan akora so a efi dɔla mpem anan kosi mpem dumien ano, a mpɛn pii no wɔnam bosea a mfɛntom kɛse wom so tua ho ka. Sɛ wotua ho ka wie a, adwumakuw no de nkrataa a wɔde di dwuma wɔ ɔkwan a ɛyɛ ne nyinaa so mena kɛkɛ de hwehwɛ sɛ wɔtwa mu, na mmaranimfo akuw a wɔde wɔn ho hyɛ mu no pow. Wɔ nsɛm a emu yɛ den mu no, wɔn a wɔyɛ adwuma wɔ mmeae a wofi mu no de nkrataa ma nnwumakuw a wɔyɛ atoro shell a wogyae adwuma no, na ɛma wura a edi kan no nya mmara kwan so asodi wɔ sika a wɔde siesie no ho.

flowchart TD
    A["Scammer nam ɔmanfoɔ deed kyerɛwtohɔ so kyerɛ timeshare wura"] --> B{"Nsisi kwan bɛn na wɔde di dwuma?"}
    B -->|"Resale Broker Wire Nhyehyɛe"| C["Claims adwumakuw adetɔfo wɔ hɔ wɔ inflated bo"]
    B -->|"Mmoa Nhyehyɛe a Wodi Kan Yɛ"| D["Ɛma awerɛhyem sɛ wɔbɛtwa mmara kwan so apam no mu ɔha biara mu nkyem 100"]
    C --> E["Ɔde adetɔ ho apam a wɔayɛ atoro ne escrow nkrataa a ɛnyɛ nokware mena"]
    D --> F["Ɛhwehwɛ 5,000 kosi 10,000 USD upfront mmara kwan so retainer"]
    E --> G["Ɛhwehwɛ sɛ wɔde telefon kɔma obi foforo de gye Mexico tow, sika a wotua wɔ ɔhye so, anaasɛ notary bond"]
    F --> H["Ɔkyerɛ owura no sɛ onnyae ahomegyebea no siesie ho ka a obetua"]
    G --> I["Secondary extortion: Ɛhwehwɛ nhama foforo ma clearance codes"]
    H --> J["Ɔde nkrataa a ɛfa akasakasa ho a ɛfa nneɛma nyinaa ho mena; ahomegyebea a wɔpow; credit score asɛe"]

Nsisi a ɛyɛ resale broker model no yɛ nea asiane wom kɛse mpo na ɛfa amanaman ntam nsɛmmɔnedi kuw ahorow a wɔahyehyɛ ho, a wɔtaa yɛ adwuma wɔ mmeae a wɔfrɛ nkurɔfo a ɛwɔ Mexico no. Saa cartels yi nya timeshare wuranom dinkyerɛw denam ahomegyebea databea ahorow a wɔasɛe no anaasɛ adwumayɛfo a wɔyɛ adwuma wɔ mu a wɔadi amim so. Ɔdaadaafo no frɛ owura no a ɔyɛ ne ho sɛ obi a ɔwɔ tumi krataa a ɔde di adan ne afie ho aguadifo a ogyina amanaman ntam adwumakuw bi, Mexico ahɔhodan adwumakuw bi, anaa ɔdefo bi a ɔrehwehwɛ sɛ ɔbɛtɔ bere mu adan a wɔde yɛ adwuma ama nnwumakuw a wɔde wɔn ho hyɛ mu no.

Nea ɛbɛyɛ na wɔadi mmara so no, nea ɔfrɛ no no fa adetɔ ho nhyehyɛe a wɔahyɛ no ma, a mpɛn pii no ɛyɛ dɔla mpem aduonu kosi aduanan ma bere a ne bo nyɛ den wɔ gua so. Nsisifo imel ahorow no yɛɛ atoro apam ahorow a wɔde tɔ nneɛma, aban nsɔano a ɛnyɛ nokware, ne nkrataa a ɛnyɛ nokware a efi United States nnwumakuw a wɔyɛ nneɛma a wɔde agye din no hɔ. Sɛ nea wɔayɛ no bɔne no de ne nsa hyɛ ase wie a, apoobɔ fã no fi ase.

Ɔdetɔnfo no ka sɛ ansa na wobetumi de sika a wobenya afi mu no akɔ telefon so no, ɛsɛ sɛ nea ɔtɔn no no tua tow a wɔbɔ wɔ amannɔne dinkyerɛw ho, sika a wɔbɔ wɔ nneɛma a wɔde fa ahye so, anaasɛ notary bonding deposits. Ɛsɛ sɛ wɔde sika biara a wobetua no fa amanaman ntam telefon so de mena. Sɛ nea wɔayɛ no bɔne no de sika mena a, nsisifo ka sɛ mfomso bi sii wɔ mmara sodi ho, na wɔhwehwɛ sɛ wɔde telefon kɔma afoforo kosi sɛ nea wɔayɛ no bɔne no begyae.

Mmara kwan so timeshare exit options versus nnaadaa mmoa nsisi¶

Nsonsonoe a ɛda akwan a wɔfa so fi bere mu kyɛfa ankasa ne nsɛmmɔnedifo apoobɔ ntam no hwehwɛ sɛ wɔte sɛnea adan ne afie ho nkitahodi ne ahomegyebea ahorow a wɔyɛ ho nhyehyɛe ahorow yɛ adwuma no ase. Wɔn a wɔsan tɔn nneɛma a ɛfata no nnye aguadi ho ka a edi kan da ansa na wɔatɔn agyapade bi, na ahomegyebea ho nkrataa a wɔde ma ankasa ho nhyehyɛe ahorow no yɛ adwuma wɔ ɔkwan a ɛda adi pefee so a wɔde sika a wɔde di dwuma wɔ adwumayɛ ho no yɛ adwuma wɔ ɔkwan a ɛda adi so.

Hwɛ ntotoho pon a mfaso wɔ so yi mu na hu sɛ ebia adwumakuw bi a ɛde bere mu kyɛfa mmoa ma no reyɛ adwuma wɔ mmara kwan so anaasɛ ɛreyɛ nsisi nhyehyɛe a wɔde di kan tua ho ka:

Anamɔn biara triage: bere a wɔde ma a wɔammisa ho nhwehwɛmu¶

Sɛ wo nsa ka ɔfrɛ anaa krataa a wonhwɛ kwan a ɛhyɛ bɔ sɛ wobɛtɔ wo timeshare anaasɛ wobɛyi wo apam no adi a, nsi gyinae da wɔ nkitahodi a edi kan no mu. Nsisifo de akwan a wɔfa so de nhyɛso kɛse di dwuma, bere a wɔde yɛ adwuma a wɔayɛ, ne nkrataa a ɛyɛ nwonwa a wɔyɛ atoro di dwuma de hyɛ bɔhyɛ ahorow a wɔde ma ntɛm ara.

Di nhyehyɛe a wɔde hwɛ sɛnea nneɛma te yi akyi ansa na wode w’ankasa wo ho nsɛm akyɛ anaasɛ wode wo nsa ahyɛ nkrataa ase:

Ɔfã 1: Hwɛ sɛ broker tumi krataa ne adwumakuw no tebea yɛ nokware¶

Fi ase denam adansedi nkrataa a wobɛhwehwɛ mu so. Hwehwɛ wɔn mmara kwan so din, adwumakuw a wɔtɔn nneɛma wɔ aguadidan mu din, adwumayɛbea address, adan ne afie ho tumi krataa nɔma, ne adwumakuw no dinkyerɛw ho nsɛm.

Hwɛ intanɛt so tumi krataa database a ɛwɔ real estate commission a ɛwɔ baabi a broker no ka sɛ ɔyɛ adwuma no. Si so dua sɛ tumi krataa no yɛ adwuma na wɔde ama wɔ ankorankoro din pɔtee no ase. Sɛ wɔkyerɛ sɛ wɔyɛ adwuma wɔ Florida, California, anaa Nevada a, hwɛ wɔn adwuma ho nkrataa wɔ Ɔman Ɔkyerɛwfo portal no so.

Hwɛ sɛ identity theft a wɔde wɔn ani asi aguadifo ankasa so. Nsisifo hwehwɛ tumi krataa ho databea ahorow, wowia adwumayɛfo a wɔwɔ tumi krataa no din, na wɔde saa adansedi nkrataa no kyerɛ. Bere nyinaa hwehwɛ broker official phone number wɔ state licensing directory no so, frɛ tẽẽ, na bisa sɛ wɔne wo dii nkitaho anaa.

flowchart TD
    A["Wɔanya timeshare broker nkitahodi a wɔammisa"] --> B["Bisa broker tumi krataa nɔma ne adwumakuw dinkyerɛw"]
    B --> C["Hwɛ tumi krataa wɔ ɔman no real estate commission portal so"]
    C --> D{"So tumi krataa no ne din ne active status hyia?"}
    D -->|"Dabi"| E["Wɔahyɛ nsisi so dua: Gyae nkitahodi na bɔ atumfoɔ amanneɛ"]
    D -->|"Aane"| F["Frɛ telefon nɔma a wɔakyerɛw wɔ ɔman tumi krataa kyerɛwtohɔ a ɛyɛ aban de so"]
    F --> G{"So broker ankasa a ɔwɔ tumi krataa no sii so dua sɛ ɔne wo bedi nkitaho?"}
    G -->|"Dabi: Wɔahyɛ no den sɛ wowia wɔn ho"| H["Nsisi a wosii so dua: Nsisifo reyɛ ne ho sɛ obi a ɔyɛ aguadifo a ɔfata"]
    G -->|"Yiw: Ɔyɛ aguadifo a ɔfata"| I["Hwɛ apam a wɔasan ahwɛ mu: Hwɛ sɛ wɔmfa sika biara nni hɔ a wogye ansa na wɔayɛ saa"]

Ɔfa 2: Audit escrow ne title nkrataa¶

Sɛ broker no de adetɔ ho apam ma a, hwehwɛ escrow agent a wɔapaw no ne adwumakuw a wɔde title no mu. Nnwumakuw a wɔyɛ nsisi taa hyehyɛ wɛbsaet ahorow a ɛte sɛ nea ɛyɛ adwumayɛfo de ma nnwumakuw a wɔyɛ atoro abodin ahorow, a stock mfonini ahorow, adwumayɛ ho abakɔsɛm a ɛnyɛ nokware, ne address ahorow a wɔayɛ no atoro ahyɛ mu ma.

Yɛ honam fam address ho adansedi krataa. Hwɛ sɛ ebia title office no ne aguadidan bi hyia anaasɛ mail drop a adwumayɛfo nnim. Hwehwɛ nnwumakuw a wɔkyerɛw wɔn din mu na si so dua sɛ adwumakuw no akyerɛw wɔn din denneennen.

Fa ɔmanfo telefon kyerɛwtohɔ ahorow a wɔagye atom frɛ escrow agent no tẽẽ. Bisa ɔsraani panyin no sɛ ɔnhwɛ sɛ escrow fael nɔma, nea ɔtɔɔ no nipasu, ne akontaabu ho nsɛm no yɛ nokware anaa. Nnwumakuw a wɔde sika a wɔde asie ankasa no kura adetɔfo a wɔde anibere asie wɔ ahotoso mu ansa na wɔasrɛ adetɔnfo no nkrataa a wɔde bɛto mu.

Ɔfã 3: Hwɛ amannɔne sika ne tow a wɔhwehwɛ¶

Sɛ wo timeshare no wɔ wo man akyi, te sɛ Mexico, Caribbean, anaa Europa a, asisifo taa de amannɔne towtua ho mmara a wonnim no di dwuma de bu telefon so abisade ahorow no bem. Nsisi ho nsɛm a wɔtaa ka no bi ne:

• Ahwehwɛde ahorow a ɛfa Mexico Federal Tax Authority (SAT) ayɔnkofa tow a wɔde sie ho.
• Amannɔne sika a wɔde bɛto mu ho ka a wɔbɔ wɔ amanaman ntam sikasɛm apam ahorow ase.
• Sikakorabea ahorow a wɔde fa ahye so nkrasɛm a amannɔne sikakorabea akɛse hwehwɛ.
• Atemmu mu notary stamping fees a ɛsɛ sɛ wotua ansa na wɔayi sika adi.

Wɔ amanaman ntam adan ne afie ho gyinapɛn ahorow ase no, amannɔne aguadi nhwehwɛ sɛ adetɔnfo de wɔn ankasa sika bɛkɔ ankorankoro akontaabu ahorow mu de agye tow. Wɔtwe tow a wɔkora so wɔ mmara kwan so no fi sika a wonya fi adetɔn mu a wɔde asie wɔ escrow mu bere a wɔawie no mu tẽẽ. Biribiara a wɔhwehwɛ sɛ ɔdetɔnfo bi de n’ankasa sika bɛfa telefon so de asiesie amannɔne adetɔn bi no yɛ nsisi ho adanse.

Nneɛma a wɔde ko tia ntɛmpɛ sɛ wɔde sika ahyɛ nhama mu dedaw a¶

Nsisi a wɔde fa nhama so de kapital fa amanaman ntam sikakorabea nhyehyɛe no so ntɛmntɛm soronko. Sɛ wire transfer kɔto offshore beneficiary account mu pɛ a, wɔkyekyɛ sika no mu ntɛmntɛm wɔ money mule networks so anaasɛ wɔdan no cryptocurrency a wontumi nhwehwɛ mu. Sɛ womaa kwan sɛ wɔmfa bank wire transfer nkɔma timeshare adwumakuw bi a ɛyɛ nnaadaa a, wɔde nnɔnhwerew susuw wo mmuae mfɛnsere no.

Execute this chronological intervention protocol immediately:

flowchart TD
    A["Hu a wohui sɛ wɔde wire transfer kɔmaa nsisifo"] --> B{"Bere ahe na atwam fi bere a wɔde waya no kɔmaa?"}
    B -->|"Nnɔnhwerew 72 Ase"| C["Frɛ a wɔde mena sikakorabea wire dwumadibea: Hwehwɛ sɛ wɔbɛkae no ntɛm ara"]
    B -->|"Bɛboro Nnɔnhwerew 72"| D["Fa nsɛmmɔnedi ho amanneɛbɔ a ɛfata ma: FBI IC3 ne mpɔtam hɔ polisifo"]
    C --> E["Bisa bank SWIFT MT199 nkaeɛ nkrasɛm kɔma asoɛeɛ a ɛnya mfasoɔ"]
    E --> F["Fa intanɛt so anwiinwii kɔ ic3.gov na kanyan Sikasɛm mu Nsisi kum Nkɔnsɔnkɔnsɔn"]
    F --> G["Fa IC3 asɛmdi nɔma kɔma sikakorabea waya nsisi desk a wɔde mena"]
    G --> H["Sikakorabea nkitahodi ahorow a wɔde beneficiary bank risk team soma kɔ freeze sika"]
    D --> I["Fa mmaranimfo a wɔfata di dwuma; kwati nsisi a ɛto so abien a wɔde gye sika"]

Adeyɛ 1: Fa SWIFT ne ofie waya a wɔkae ntɛm ara no nyɛ adwuma¶

Ntwɛn adwumayɛ nnɔnhwerew a wɔahyɛ da ayɛ. Di wo sikasɛm adwumayɛbea no wire operations anaa fraud department no nkitaho ntɛm ara:

• ** Hwehwɛ SWIFT MT199 cancellation message**: Sɛ wopɛ amanaman ntam wire transfers a, kyerɛ wo sikakorabea no sɛ wɔmfa SWIFT MT199 anaa MT292 administrative message a egye ntɛmpɛ nkɔma a ɛsrɛ sɛ wɔtwa mu ntɛm ara na wɔmfa sika no mma esiane nsɛmmɔnedifo nsisi nti.
• Besrɛ sɛ wɔmfa sikakorabea a wonya mfasoɔ no nsie: Wɔ fie nhama a ɛwɔ United States mu ho no, hwehwɛ sɛ wo sikakorabea no ne asoɛeɛ a ɛgye no nsisi adwumayɛ beaeɛ no nni nkitaho na wɔmfa adwumayɛ ho kwan nhyɛ nea ɔgye no akontaabuo no so.
• Fa asɛm pɔtee a ɛfa asɛm no ho: Hwɛ sɛ wowɔ wo sikakorabea akontaabu nɔma, wire confirmation nɔma, outgoing Federal Reserve reference number, nea ogye no sikakorabea din, nea ogye no akontaabu nɔma, ne nea ogye no routing anaa SWIFT BIC code asiesie.

Adeyɛ 2: Kanyan FBI Sikasɛm mu Nsisi kum nkɔnsɔnkɔnsɔn no¶

Sɛ waya no fi United States na esii wɔ nnɔnhwerew aduɔson abien mu a, FBI betumi ama Sikasɛm mu Nsisi a Ekum Nkɔnsɔnkɔnsɔn no ayɛ adwuma:

• Fa amanneɛbɔ a egye ntɛmpɛ kɔ ic3.gov: Fa anwiinwii krataa kɔdan a ɛfa asɛm a esii no ho sɛ ɛyɛ real estate wire fraud.
• Fa mfiridwuma kwan ho nsɛm ka ho: Kyerɛw da, sika dodow, sikakorabea ho nsɛm a wode bɛmena, sikakorabea ho nsɛm a wɔde bɛmena, ne nɔma a wɔde fa kwan so.
• Fa IC3 reference code ma wo sikakorabea: Fa saa reference number yi ma wo bank fraud desk sɛdeɛ ɛbɛyɛ a wɔbɛtumi ne FBI ne FinCEN ayɛ adwuma wɔ agyapadeɛ freeze ho.

Adeyɛ 3: Bɔ sikakorabea ho nsɛm ne akasakasa a ɛka boa ho ban¶

Mpɛn pii no, nsisifo a wofi mu no nam credit card anaa ɛlɛtrɔnik debit tumi krataa so gye sika a ɛto so abien, mmara kwan so nneɛma a wɔde sie, anaa nkrataa a wosiesie ho ka:

• Fa Fair Credit Billing Act ntawntawdi to gua: Sɛ wode credit card tuaa sika a, kɔ nea ɔde wo kaad mae no nkyɛn ntɛm ara na woafi ase ayɛ akasakasa a ɛfa sikatua ho wɔ Fair Credit Billing Act (15 U.S.C. Section 1666) ase. Ka sɛ wɔamfa nnwuma amma na na ɛyɛ nnaadaa na wɔde dii gua.
• Twe ɛlɛtrɔnik sika a wɔde mena ho tumi krataa mu: Sɛ wode sikakorabea kwan ne akontaabu nɔma mae ama sika a wɔde bɛbɔ no ankasa a, fa krataa a wɔkyerɛw kɔma wo sikakorabea a ɛtwa tumi krataa a wɔde ma wɔ kɔmputa so nyinaa mu ma adwumakuw no wɔ Consumer Financial Protection Bureau mmara ase.
• To akontaabu a wɔasɛe no mu: Sɛ nsisifo nyaa check anaasɛ sikakorabea ho nsɛm wie a, to checking account a ɛka ho no mu na bue akontaabu foforo na amma wɔannye sika a wɔmma ho kwan a wɔbɛsan de ama no ano.

Mmara kwan so akwan a wɔfa so twa timeshare mu wɔ mmara kwan so na wɔtɔn¶

Ɛho nhia sɛ wuranom a wɔakyere wɔn wɔ timeshare apam ahorow a wɔmpɛ mu no de wɔn ho to nnwumakuw a wɔyɛ atirimɔdenfo a wofi mu no so. Akwan a mmara ma ho kwan a ɛho ka sua wɔ hɔ a wɔfa so de nkrataa a wɔde ma, di nkitaho wɔ twa mu, na wɔtɔn wɔn wuranom ho anigye dwoodwoo.

flowchart TD
    A["Ɔpɛ sɛ wufi timeshare wurayɛ mu"] --> B{"So wotɔ timeshare no wɔ nnafua 3 kosi 10 a atwam no mu?"}
    B -->|"Aane"| C["Fa krataa a wɔagye atom so di mmara kwan so amanneɛbɔ a ɛkyerɛ sɛ wɔagyae adwuma no so ntɛm ara"]
    B -->|"Dabi"| D{"So wotua timeshare dan bosea no nyinaa?"}
    D -->|"Yiw, sika a wɔbɔ wɔ nsiesie ho nkutoo"| E["Fa wo ho to aban developer deed-back anaa surrender nhyehyɛe no so tẽẽ"]
    D -->|"Dabi, bosea a aka no da so ara wɔ hɔ"| F["Wo ne developer no nsusuw ho sɛ wobɛsiesie asɛm no anaa bisa mmaranimfo a ɔwɔ tumi krataa"]
    E --> G["Tua developer transfer fee a wɔfrɛ no nominal na kyerɛw mmara kwan so quitclaim deed"]
    F --> H["Hwɛ sɛnea wobetumi asiesie ahokyere, krataa a wɔde besi ananmu, anaa boseabɔ ho akasakasa a wobetumi apaw"]

Mmara kwan so onwini-off ne rescission bere¶

Ɔman ne amanaman ntam mmara ma hokwan koraa sɛ wɔbɛtwa apam foforo mu wɔ mmara kwan so sɛ wɔbɛpopa apam bi mu:

• Nna a wɔde yɛ adwuma wɔ tumidi mu: Bere a wɔde yɛ onwini no fi kalenda nna abiɛsa kosi du wɔ United States (nnadu wɔ Florida, nnanson wɔ California, anum wɔ Nevada). Wɔ Mexico no, PROFECO hyɛ sɛ wɔmfa nnanu ntumi ntwa adwuma mu mfɛnsere mu.
• Written cancellation mandatory: Wɔrentumi mfa telefon so ntwa mu. Ɛsɛ sɛ wode krataa a woakyerɛw a ɛkyerɛ sɛ woabɔ wo tirim sɛ wobɛtwa mu no mena, na wotwe adwene si wo apam no nɔma ne date so.
• Adanse a wɔde mena a wɔagye atom: Fa amanneɛbɔ no fa nkrataa a wɔagye atom so mena a wode krataa a ɛkyerɛ sɛ woasan aba anaa krataa a wode bɛkɔ akɔma obi a wɔadi akyi ansa na bere a etwa to no adu.
• Mandatory refund timeline: Ɛsɛ sɛ developers san de sika a wɔde asie nyinaa ma wɔ nna dunum kosi aduasa akyi bere a wɔanya rescission a ɛfata.

Aban ahomegyebea developer surrender ne deed-back nhyehyɛe ahorow¶

Ɔkwan a ahobammɔ wom sen biara a wɔfa so fi mu ma timeshares a enni dan ka ho ne developer voluntary surrender nhyehyɛe:

• Wyndham Destinations (Certified Exit by Wyndham): Ɛde wɔn pɛ mu deed-backs ma wɔ akontaabu a wɔatua ho ka nyinaa ho a wɔbɔ ka ketewaa bi anaasɛ ɛnyɛ hwee.
• Hilton Grand Vacations (Horizons by HGV): Ɛde nneɛma a wɔakora so a wɔahyehyɛ ama asɔremma a wɔfata a wonni bosea a aka.
• Marriott Vacations Worldwide (Exit by Marriott): Ɛsan hwɛ owura no abisadeɛ a ɛfa ne pɛ mu deed deed ne apam a wɔtwa mu.
• Ahwehwɛdeɛ a ɛfata: Ɛsɛ sɛ wotua dan ka no nyinaa, ɛho ka a wɔbɔ wɔ nsiesie ho no yɛ mprempren, na wɔmfa toɔ a wɔde ahyɛ obi nsa no nni title.

Nkitahodi tẽẽ ne sikasɛm mu ahokyere a wɔde wɔn ho ma¶

Sɛ wo ahomegyebea a ɔresi no nyɛ ɔmanfo deed-back nhyehyɛe a, wubetumi ne ahomegyebea no mpanyimfo kuw anaa agyapade wuranom fekuw (POA) asusuw ɔkwan a wɔbɛfa so afi mu ho tẽẽ:

• Fa ahokyere ho adesrɛ a wɔakyerɛw ho krataa kɔma: Kyerɛw ahokyere krataa a wɔahyɛ da ayɛ kɔma ahomegyebea afiewuranom fekuw bagua no a ɛkyerɛkyerɛ aduruyɛ mu ahokyere, dɛmdi, sika a wɔhwere daa, anaa mpanyimfo a wonya sika a wɔahyɛ da ayɛ ho ahokyere mu kɔ akyiri. Fa nkrataa te sɛ aduruyɛ ho amanneɛbɔ anaa sika a wonya bere a woakɔ pɛnhyen ho kyerɛwtohɔ ka ho.
• Besrɛ krataa a wɔde begye nneɛma afi obi nsam: Bisa akwankyerɛfo bagua no sɛ wonnye krataa a wofi wɔn pɛ mu yɛ a wɔde begye nneɛma afi wo nsam ananmu. Fekuw no nya interval title no a wɔmfa mmara kwan so ka a wɔbɔ wɔ foreclosure ho, na wogyae owura no fi daakye nsiesie ho ka a wɔbɛbɔ mu.
• Hwɛ yie wɔ timeshare ntoboa nhyehyɛeɛ ho: Kwati nnwumakuo a wɔka sɛ wɔde wo timeshare bɛma adɔeɛ akuo. Internal Revenue Service mmara hwehwɛ timeshare appraisals mu yiye, na adɔe akuw a ɛwɔ mmara mu ntaa nnye timeshare intervals esiane daa nsiesie ho asɛyɛde ahorow nti.

Mmara kwan so ahobammɔ ne mmara a wɔde di dwuma¶

Ɔman mmara ahorow, ɔman no adan ne afie ho mmara, ne amanaman ntam apam ahorow a ɛfa adetɔfo ahobammɔ ho nhyehyɛe a ɛtrɛw bɔ adetɔfo a wɔkyɛ bere mu no ho ban fi aguadi a nnaadaa ne nsisi a wɔde di dwuma wɔ telefon so ho. Mmara ahorow yi a wɔte ase ma wuranom tumi ma wobu wɔn a wɔkyere mmoa we no ho akontaa.

flowchart TD
    A["Mmara ne mmara kwan so adetɔfo kyɛm"] --> B["FTC Telemarketing Adetɔn Mmara: Wɔbara sika a wɔde ma ansa na wɔadi kan atua ho ka denneennen"]
    A --> C["Ɔman Adan ne Nnwuma Ho Tumi Krataa Mmara: Broker tumi krataa ne escrow ho mmara a ɛyɛ ahyɛde"]
    A --> D["Consumer Financial Protection Act: Nneyɛe a ɛnteɛ na ɛyɛ nnaadaa ho asɛm a wɔde bɛkɔ asɛnnibea"]
    A --> E["Ɔman Nsɛmmɔnedifo Wire Nsisi: 18 U.S.C. 1343 ne OFAC Asotwe ahorow"]

Telemarketing Sales Rule no bara a wɔbara sika a wɔde di kan tua¶

FTC de Telemarketing Adetɔn Mmara (16 CFR Ɔfa 310) no di dwuma wɔ telemarketing nkitahodi nyinaa mu:

• Ban on advance relief fees: Ɔman mmara bara sɛ wɔbɛsrɛ anaasɛ wɔbɛgye sika ansa na wɔasan ayɛ apam anaa wɔasiesie apam bi wɔ apam a wɔde wɔn nsa ahyɛ aseɛ ase.
• Nneɛma a wɔhwehwɛ sɛ wɔda no adi: Ɛsɛ sɛ wɔn a wɔtɔn nneɛma wɔ telefon so no da ɛka ne anohyeto ahorow nyinaa adi ansa na adetɔfo no atua.
• Asotwe a ɛfa nsɛm a ɛnteɛ ho: Atoro nsɛm a ɛfa adetɔfoɔ a wɔwɔ hɔ anaa bere a wɔde twa mu no bu aban mmara so, a asotweɛ a ɛboro dɔla mpem aduonum wɔ mmara sobuo biara mu.

Ɔman no real estate commission mmara ne title mmara¶

Ɔman mmara kyerɛ bere mu kyɛfa sɛ agyapade ankasa anaa akwamma ahobammɔ:

• Broker licensing: Obiara a ɔredi nkitaho wɔ timeshare tɔn ho wɔ afoforo ananmu no, ɛsɛ sɛ ɔwɔ ɔman real estate broker tumi krataa a ɛyɛ nnam.
• Escrow trust mandates: Ɛsɛ sɛ brokers kura client anibere sika wɔ ahofama, audited escrow trust akontaabu. Sika a wɔde frafra yɛ nsɛmmɔnedi.
• Advance listing baras: Aman te sɛ Florida (Ti 721) ne California bara katee wɔ advance resale listing ho ka gye sɛ wɔadi mmara mu nsɛm a ɛkɔ akyiri so.

Federal wire nsisi ne amanaman ntam anohyeto ahorow¶

Nsisi a ɛyɛ resale broker wire nhyehyɛe no taa twa amanaman ntam ahye, na ɛde aban ne amanaman ntam nsɛmmɔnedifo a wɔde wɔn ho hyɛ mu denneennen di dwuma:

• Federal wire fraud statute (18 U.S.C. Section 1343): Obiara a ɔbɛyɛ nhyehyɛe bi a ɔde bɛdaadaa na ɔde wire nkitahodi akɔma wɔ aman ntam anaa amannɔne aguadi mu no hyia asɛmmɔnedi, na wɔde mmara kwan so asotwe bɛto aban afiase mfe aduonu wɔ akontaabu biara mu.
• Office of Foreign Assets Control (OFAC) sanctions: United States Department of the Treasury Office of Foreign Assets Control no apene amanaman ntam bere mu nsisi akuw a wɔyɛ adwuma wɔ Mexico no so mpɛn pii. Saa nsɛmmɔnedifo akuw yi a wɔtaa de wɔn ho bata nnubɔne ho akuw ho no yɛ adan a wɔde nsu gu mu a wɔde wɔn ani si Amerikafo a wɔn mfe akɔ anim so. Wɔ OFAC mmara ase no, wɔabara United States nnipa sɛ wɔne nnwumakuw a wɔakyerɛ sɛ ɛne cartel wɔ abusuabɔ bere mu kyɛfa no nyɛ nkitahodi.

Adanse a wɔboaboa ano ne aban amanneɛbɔ akwan¶

Amanneɛbɔ a edi mũ a wɔde bɛma wɔ aban, ɔman, ne amanaman ntam mmara kwan so no ho hia na ama wɔagyae nnaadaa dwumadi ahorow, aboa mmarahyɛ baguafo ma wɔagye agyapade, na wɔayɛ nkrataa a wɔde bɛtew tow a wɔhwere anaa sikakorabea ntawntawdi ahorow ho.

Di amanneɛbɔ nhyehyɛe a wɔayɛ no nhyehyɛe yi akyi:

flowchart TD
    A["Encounter nnaadaa timeshare exit anaa broker nhyehyɛe"] --> B["Boaboa adanse ano: Apam, wire slips, frɛ ho kyerɛwtohɔ, email"]
    B --> C["Fa anwiinwii krataa a ɛfata kɔma FTC wɔ ReportFraud.ftc.gov"]
    C --> D["Fa amanneɛbɔ kɔma Ɔman Mmaranimfo Panyin Consumer Protection"]
    D --> E["Fa adan ne afie ho aguadifo nsisi ho anwiinwii kɔma Ɔman Adan ne Nnwuma Boayikuw"]
    E --> F{"So wɔde sika a wɔde yɛ sika no guu nhama so anaasɛ wowiaa?"}
    F -->|"Aane"| G["Fa amanneɛbɔ a egye ntɛmpɛ kɔma FBI IC3 wɔ ic3.gov"]
    G --> H["Fa mpɔtam hɔ polisifo asɛm a esii ho amanneɛbɔ ma wɔ sikasɛm mu nsɛmmɔnedi ho"]
    F -->|"Sika biara anhwere"| I["Bɔ Resort Developer Adwumakuw Ahobammɔ ne ARDA-ROC amanneɛ"]

Nsisi ho nkrataa a edi mũ a wɔbɛkyekye¶

Ansa na wode anwiinwii bɛmena no, hyehyɛ wo nnwuma ho kyerɛwtohɔ ahorow no ma ɛnyɛ bere nhyehyɛe fael a emu da hɔ a ɛwɔ:

1. Nneɛma a wɔde hyɛ nkurɔfo nkuran: Wɔn a wɔde nkrataa mena mfiase no, aguadi email ahorow, wɛbsaet screenshots, ne nkyerɛwee anaa nsɛm a wɔakyerɛw afi adetɔn frɛ mu no bi.
2. Apam ho nkrataa: Apam a wɔde wɔn nsa ahyɛ ase nyinaa, nea wɔde sie, tumi krataa a wɔde ma, adetɔ ho apam, ne nsɛm a wɔda no adi a wɔde wie.
3. Sikasɛm mu adanseɛ: Sikakorabea waya a wɔde gye sika a wɔde si so dua, Federal Reserve nɔma a wɔde di akyi, SWIFT nkrataa a wɔde mena, check a wɔatwa mu, ne credit card ho nsɛm.
4. Nkitahodi ho kyerɛwtohɔ: Telefon nɔma, email address, adwumayɛfo din, adwumayɛfo badge nɔma, ne honam fam address a wɔn a wɔyɛɛ bɔne no de dii dwuma ho kyerɛwtohɔ a ɛkɔ akyiri.

Mmara ne mmarahyɛfoɔ nkitahodiɛ titire¶

Fa wo dossier no kɔma aban mpanyimfo a edidi so yi:

• Federal Trade Commission (FTC): Fa nsɛm kɔdane intanɛt so wɔ ReportFraud.ftc.gov. FTC no boaboa anwiinwii ano de fi aban mmarahyɛ bagua nneyɛe ase na ɛto nnwumakuw a wɔde nnaadaa kwan a wɔfa so fi mu no mu.
• Federal Bureau of Investigation (FBI IC3): Sɛ wɔfaa sikakorabea nhama, dijitaal application, anaa amanaman ntam sikakorabea akwan so de sika kɔe a, fa amanneɛbɔ kɔ ic3.gov. IC3 ne Atemmu Dwumadibea no yɛ biako de di ahye so nhama nsisi akuw akyi na wobubu gu.
• Ɔman Mmaranimfo Panyin Consumer Protection Division: Di mmaranimfo panyin a ɔwɔ wo kurom ne ɔman a adwumakuw a wofi mu anaa timeshare ahomegyebea no wɔ no nkitaho. Ɔman mmaranimfo mpanyimfo atumi anya atemmu a ɛyɛ dɔla ɔpepem pii a wɔde bɛsan ama nnwumakuw a wɔyɛ nnaadaa a wofi mu no.
• State Real Estate Licensing Commission: Sɛ ɔsisifoɔ no kaa sɛ ɔyɛ broker a ɔwɔ tumi krataa a, fa anwiinwii krataa kɔma ɔman no tumi krataa board no sɛ wɔnhyɛ aseɛ nyɛ adwumayɛfoɔ nhwehwɛmu na wɔnyɛ nsɛmmɔnedifoɔ a wɔde wɔn bɛkɔ no ho nhyehyɛeɛ.
• Amerika Ahomegyebea Nkɔso Fekuw Ahomegyebea Wuranom Nkabom (ARDA-ROC): Bɔ adwumakuw a ɛyɛ nnaadaa no amanneɛ kyerɛ ARDA-ROC wɔ responsibleexit.com. ARDA ne mmarahyɛfoɔ ne adetɔfoɔ ahobanbɔ ho mmarahyɛfoɔ yɛ adwuma bom de bɔ wuranom kɔkɔ wɔ timeshare scam variants a ɛreba ho.

Bere tenten timeshare portfolio nhyehyɛe ne nsiesie ho ka ahobammɔ¶

Sɛ wobɛfa timeshare wurayɛ mu a worenhwe ase wɔ nsisi a ɛyɛ hu mu a, ɛhwehwɛ sɛ wode nteɛso di sikasɛm so bere tenten ne nkitahodi a ɛyɛ nnam a wo ne wo ahomegyebea nhyehyɛe no di nkitaho.

flowchart TD
    A["Bere tenten mu kyɛfa a wɔde di dwuma"] --> B["Fa ahomegyebea nkitahodi akwan a wɔagye atom si hɔ"]
    A --> C["Hwɛ afe afe nsiesie ho ka a ɛkɔ so ne fekuw no sikasɛm nhyehyɛe so"]
    A --> D["Bɔ credit profiles ho ban fi timeshare amanneɛbɔ a ɛyɛ nnaadaa ho"]
    A --> E["Yɛ nhyehyɛe ma awo ntoatoaso pii agyapade a wɔde bɛma afoforo na wɔasiw asodi a ɛbɛtra hɔ daa ano"]

Ahomegyebea nkitahodi a ɛyɛ nnam ne fekuw nniso¶

Wo ne wo timeshare homeowners fekuw no nni nkitaho tẽẽ sen sɛ wode wo ho bɛto ntamgyinafo a wɔto so abiɛsa so:

• Kɔ afe afe fekuw nhyiam ahorow: Fa wo ho hyɛ wo ahomegyebea agyapade wuranom fekuw no afe afe nhyiam akɛse a wɔyɛ no virtual anaa w’ankasa mu. Hwɛ afe afe sikasɛm ho amanneɛbɔ a wɔahwɛ so, sika a wɔde asie a wɔkyekyɛ, ne sika a wɔde siesie no nkɔanim a wɔahyɛ ho nkɔm no mu.
• Bisa ntɛm fa exit program updates ho: Certified resort exit nhyehyɛe ahorow no dannan bere nyinaa. Di wo developer certified exit department no nkitaho afe biara na hwɛ sɛ surrender windows a wɔde ahyɛ aseɛ foforɔ anaa deed-back policy nsakraeɛ.
• Ma addresses a wode tua ho ka no kɔ so yɛ mprempren: Hwɛ sɛ ahomegyebea no wɔ wo email ne postal address a wɔagye atom na amma wɔasiw nhwehwɛmu ho amanneɛbɔ a ɛyɛ mmara kwan so a ɛyera ano, a ebetumi ama woayɛ default ne sika a wogye.

Adedifo a wɔbɛbɔ wɔn ho ban ne agyapade ho asɛyɛde ahorow a wɔhwɛ so¶

Ade titiriw biako a ɛde timeshare exit dadwen ba ne suro a wosuro sɛ wɔde daa nsiesie ho aka bɛma mmofra ne adedifo:

• Te timeshare agyapadeɛ mmara ase: Bere a timeshares a wɔakyerɛw sɛ agyapadeɛ ankasa no kɔ agyapadeɛ bi nkyɛn wɔ owura no wuo akyi no, wɔmfa mmara nhyɛ adedifoɔ sɛ wɔnnye timeshare agyapadeɛ a wɔmpɛ.
• Di dwuma wɔ ɔkwan a ɛfata so a wɔde to gua: Wɔ ɔman mmara a ɛfa agyapadeɛ ho adansedie ho wɔ United States nyinaa ase no, ɔdedifoɔ bɛtumi de Written Disclaimer of Property Interest akɔma wɔ asram akron akyi wɔ berɛ a owura no awu. Mmara kwan so asɛm a wɔde tow agyapade no pow agyapade no, na ɛmma bere mu kyɛfa krataa no ntumi nkɔ ɔdedifo no nsam.
• Kwati sɛ wode mmofra bɛka timeshare deeds ho: Mfa mmofra a wɔanyinyin anaa abusuafo nka wo timeshare deed anaa vacation club membership contracts ho da wɔ wo nkwa nna mu gye sɛ wɔde nsiyɛ abɔ wɔn tirim sɛ wɔbɛfa asɛyɛde ahorow a ɛkɔ so wɔ nsiesie ho ka.

Nsɛm a wɔtaa bisa¶

So adwumakuw bi a wofi timeshare mu betumi ahyɛ bɔ wɔ mmara kwan so sɛ wɔbɛtwa me timeshare apam no mu?¶

Adwumakuw biara nni hɔ a ɛfa bere a wɔde kyɛ mu a ɛwɔ mmara kwan so a ebetumi ahyɛ bɔ sɛ wɔbɛtwa apam no mu wɔ mmara kwan so efisɛ tumi a wɔde gyae owura bi fi apam a wɔakyerɛw ne apam mu asɛyɛde ahorow mu no da ahomegyebea no developer anaa afiewuranom fekuw no nkutoo so. Bere mu kyɛfa ho apam ahorow yɛ adan ne afie ho apam a ɛkyekyere a wɔakyerɛw wɔ ɔmanfo asase ho kyerɛwtohɔ ahorow mu, na nnwumakuw a wofi mu no nni mmara kwan so nhyehyɛe biara a ɛyɛ wɔn de a wɔde hyɛ ahomegyebea ahorow ma wogyae. Ɛkame ayɛ sɛ nnwumakuw a wɔhyɛ bɔ sɛ wobefi mu wɔ nna dodow bi a wɔahyɛ mu a wɔde ɔha biara mu nkyem 100 bɛsan ama wɔn no yɛ amansan nyinaa nsisi a wodi kan tua a ɛfa wɔn a wodi kan de wɔn sie na wɔde nkrataa a ɛnyɛ nea etu mpɔn mena.

Dɛn nti na nsisifo a wɔsan tɔn nneɛma no si so dua sɛ ɛsɛ sɛ wɔnam sikakorabea nkrataa a wɔde fa telefon so tua ho ka?¶

Timeshare resale brokers a wɔyɛ nnaadaa si so dua sɛ wɔmfa sika nkɔ sikakorabea efisɛ nhama a wɔde mena no kɔto wɔn a wonya mfaso no akontaabu mu tẽẽ na sɛ wɔde kɔto hɔ pɛ a, wontumi nsakra anaasɛ wonnye ho akyinnye. Nea ɛnte sɛ credit card so aguadi a Fair Credit Billing Act abɔ ho ban anaasɛ debit payments a Regulation E abɔ ho ban no, sikakorabea a wɔde fa telefon so de mena no yɛ adwuma te sɛ sika a wɔde ma. Nsisifo de nhama a wɔde tua sika no kɔ amanaman ntam tumidi ahorow a sikakorabea ho mmara ma kwan ma woyi sika ntɛmntɛm, na wɔhohoro sika denam shell nnwumakuw akontaabu so ansa na nea wɔayɛ no bɔne no ahu sɛ adetɔfo ankasa biara nni hɔ.

Sɛ migyae me timeshare afe afe nsiesie ho ka a wotua kɛkɛ a, dɛn na ɛba?¶

Sɛ wugyae sika a wotua wɔ nsiesie ho a wo ne nea ɔreyɛ ahomegyebea no reyɛ apam a ɛyɛ mmara kwan so de sɛ wode wo ho bɛma a, ɛbɛsɛe wo boseabɔ na akanyan mmara kwan so nsunsuanso. Ahomegyebea afiewuranom fekuw no bɛhwɛ asotwe a wɔde ma wɔ bere a woaka akyi no ho, agyae hokwan ahorow a wowɔ sɛ wode besi hɔ no, na wɔde wo akontaabu no akɔma nnwumakuw a ɛto so abiɛsa a wogye sika a wɔbɔ ɛka a entumi ntua ho amanneɛ kyerɛ boseabɔ adwumayɛbea akɛse no. Awiei koraa no, fekuw no befi ase adi asɛnnibea anaa nea ɛnyɛ atemmu mu asɛm a ɛfa wo bere a wode bɛkyɛ no ho, na ɛno ma wo boseabɔ nkontaa so tew kɛse na ebetumi ama wɔabu atɛn a ɛfa sintɔ ho a egyina ɔman mmara so.

Mɛyɛ dɛn atumi atɔn anaasɛ mayi me timeshare no afi hɔ a mintua sika a edi kan?¶

Sɛ wobɛtow timeshare a wompɛ agu dwoodwoo a, di wo ahomegyebea developer no nkitaho tẽẽ na bisa wɔn adansedi krataa sɛ wobefi mu, wofi wɔn pɛ mu de wɔn ho ama, anaasɛ inventory deed-back department. Akwamma ahɔhoyɛ nnwumakuw atitiriw yɛ nhyehyɛe ahorow a wɔde fi hɔ a wɔahyɛ da ayɛ a wogye tumi krataa a wɔde ma wɔ bere a wotua ho ka a wɔbɔ no sika kakraa bi anaasɛ wɔmfa nni dwuma wɔ adwumayɛ ho no yɛ adwuma. Sɛ wopaw sɛ wobɛtɔn wo ntamgyinafo no wɔ gua a ɛto so abien so a, wo ne adan ne afie ho aguadifo a wɔwɔ tumi krataa a wɔyɛ Licensed Timeshare Resale Broker Association (LTRBA) no nkutoo nyɛ adwuma na gye sika biara a wɔde di kan tua wɔ aguadi ho, na gye akatua fi sika a wonya fi adetɔn mu nkutoo bere a wɔawie no.

Sɛ obi a ɔfrɛ me ka sɛ Mexico aban adwumakuw bi hwehwɛ sɛ wotua tow ansa na matɔ me timeshare a, dɛn na ɛsɛ sɛ meyɛ?¶

Fa telefon no to hɔ ntɛm ara na mfa sika biara nkɔma, efisɛ eyi yɛ aguadi agyiraehyɛde a ɛkyerɛ sɛ wɔde cross-border timeshare wire fraud. Wɔ Mexico aban mmara a ɛbɔ adetɔfo ho ban ne amanaman ntam adan ne afie ho nhyehyɛe ahorow ase no, amannɔne agyapade atɔ ne wɔn a wɔtɔn no mfa wɔn ankasa sika nkɔ ankorankoro sikakorabea akontaabu mu da mfa ntua aban tow anaasɛ stamp ahorow a wɔde gye agyapade. Towtua ho asɛyɛde biara a ɛfata anaasɛ sika a wɔde sie wɔ adwumayɛ mu no, akyerɛwfo a wɔwɔ tumi krataa a wɔde wie adwuma no na wodi ho dwuma na wotwa fi sika a wɔde tɔ nneɛma a wɔde asie wɔ escrow mu no mu tẽẽ, a nea ɔtɔn no antua no mfi ne kotoku mu da.

Akwankyerɛ ahorow a ɛfa ho¶

• Wire transfer scam, real estate closing fraud, and SWIFT recall protocol
• Debt collector harassment: know your rights and stop the calls
• Credit card chargeback dispute, unauthorized ACH debit, and Regulation E
• Sudden financial hardship: immediate survival and defense
• Foreclosure notice, dan ka ho abotare, ne adehwere a wɔbɛtew so