Last updated 2026-07-24
TL;DR
Wesley Financial Group doesn't publish a flat rate. Public complaints, court filings, and consumer reports put typical fees somewhere between $4,000 and $9,000 or more, usually charged upfront or through in-house financing, depending on the timeshare's value and how many contracts are involved. There's no guaranteed refund if the exit fails, so read the contract terms closely before signing.
How much does Wesley Financial Group actually charge?
Wesley Financial Group (WFG) does not post a price list on its website, and the company has told reporters that fees are quoted case by case after a free consultation. That's standard in the timeshare exit industry, but it makes comparison shopping hard. What we can go on is a mix of state court filings, Better Business Bureau complaints, and news coverage. Fees cited by consumers in complaints and lawsuits commonly fall in the $4,000 to $9,000 range for a single timeshare contract, with some reports of $10,000 or more when a family owns multiple weeks or points contracts across resorts [1] [2]. WFG has also offered financing plans that let clients pay in installments rather than one lump sum, which stretches the total cost with interest but softens the upfront hit. The honest answer is: nobody outside the company has a full, current fee schedule. If you're getting a quote, ask for the exact number in writing. Ask whether it's refundable. Ask what happens if the timeshare developer won't rescind or deed back the contract. Get all three answers before you hand over a deposit. Wesley Financial Group has faced state regulatory scrutiny over its marketing and fee practices in the past. Any settlement or consent order tied to the company is public record in the relevant state's court or AG filings, and it's worth searching for before you sign anything, more than this one article can tell you.
Why don't timeshare exit companies list a flat price?
Because the work varies enormously by case. A single deeded week at a mid-tier resort with no loan balance is a very different job than a points-based contract with a remaining mortgage, multiple co-owners, or a resort that's known to fight cancellations in court. Most exit companies (Wesley Financial Group included, based on public complaints) price based on the number of contracts, whether there's a loan versus a paid-off deed, and how aggressively the specific resort resists exits. That's a legitimate variable. It becomes a red flag only when a company demands full payment upfront with no written performance terms and no path to a refund if they fail [3]. The Federal Trade Commission's guidance on timeshare resales and exits tells consumers to get cancellation and refund policies in writing before paying anyone, and to be wary of any company that guarantees an outcome it can't control [3]. That guidance applies whether you're talking to Wesley Financial Group, a smaller regional firm, or anyone cold-calling you about your timeshare.
Is Wesley Financial Group legit, or is it a scam?
Wesley Financial Group is a real, operating company, not a fly-by-night scam operation that disappears with your deposit. It has a business history going back to 2011, and it has thousands of BBB reviews: a mix of strongly positive and strongly negative. That said, "legitimate company" and "guaranteed good outcome for you" are two different things. Consumer complaint databases show a pattern common across the whole exit industry: clients who paid several thousand dollars and later felt the process took far longer than promised, or didn't fully resolve their contract. That pattern shows up in complaints against many exit companies, more than this one [2]. The general rule from the FTC and state AGs holds here too. Verify any exit company's standing with your state attorney general's consumer protection office before paying money. Never pay a company that pressures you to stop making payments to your resort while the exit is pending, since missed payments can trigger foreclosure or credit damage regardless of what the exit company is doing on your behalf [3].
How to get out of a timeshare without paying an exit company at all
Before you pay anyone a fee measured in thousands of dollars, walk through the free and cheap options first. This is the order most consumer advocates and state AG offices recommend. 1. Check your rescission window. Every state has a legal right to cancel a new timeshare purchase within a set number of days after signing, no reason required, no fee owed. The exact number of days depends entirely on your state; confirm your state's rescission window before assuming you've missed it. This right is often buried in the contract's boilerplate. Send your cancellation notice in writing, by certified mail, and keep proof of the date. 2. Ask the resort about a deed-back or surrender program. Many major resort brands now run their own exit or deed-back programs for owners in good standing, especially those with no mortgage balance. These typically cost far less than a third-party exit company, sometimes nothing beyond a processing fee. 3. Try to sell or give it away, even for $1. See the section below. 4. Only after ruling those out should you consider a paid exit company, and only after checking their complaint history with your state attorney general and the BBB. For the full state-by-state breakdown of cancellation rights and deadlines, see how to get out of a timeshare.
How do you get out of a timeshare if the rescission period already passed?
Once the rescission window closes, you own the contract, and getting out gets harder and usually costs more. There's no federal law that lets you cancel a timeshare at will after that period, so your options narrow to a handful of paths. Deed-back or surrender: many resort operators (including large chains like Marriott Vacation Club and Wyndham) run formal deed-back programs for owners current on fees. Eligibility usually requires the mortgage to be paid off and the account to be in good standing. This is often the cheapest legitimate exit because there's no third-party fee at all, just resort paperwork and sometimes a modest transfer or closing fee. Resale: selling on the secondary market almost never returns what you paid, but it can end your maintenance fee obligation if you find a buyer, even one who pays close to nothing. Exception-based cancellation: if the original sale involved fraud, misrepresentation of resale value, or violated your state's timeshare disclosure statute, you may have grounds to void the contract outside the rescission window. This usually requires an actual attorney, not an exit company, and documentation from the time of sale. Exit company: last resort, priced in the thousands, no guaranteed outcome. For a broader comparison of these paths, see deed-back programs and timeshare cancellation.
How to sell a timeshare (and why it's harder than you'd think)
Timeshares have almost no resale market value. A unit that cost $20,000 to $30,000 new frequently resells for $1 to a few hundred dollars, sometimes literally $1, because the ongoing maintenance fee obligation scares off buyers more than the purchase price attracts them. If you want to try selling: list on a licensed timeshare resale marketplace, be realistic about price (often near zero), and never pay an upfront "listing fee" to a company that cold-calls you claiming they already have a buyer lined up. That's one of the most common timeshare resale scams the FTC and multiple state AGs warn about [3]. Legitimate resale brokers typically take a commission on a completed sale, not a big check before anything sells. Some owners find success donating the timeshare or transferring the deed directly to a buyer for $0 through a licensed closing/title company, especially for weeks at recognizable resort brands with brand-run resale programs (Disney Vacation Club and Marriott both have official resale channels with more legitimacy than random online listings).
How to get rid of a timeshare when nobody wants it, even for free
This happens more than people expect, especially with older weeks-based contracts at less desirable resorts or with high annual fees relative to unit size. When resale and even giveaway sites turn up no takers, your remaining paths are the resort's own deed-back program (if it has one and you qualify), a licensed timeshare attorney evaluating your contract for a legal exit, or continuing to pay and use it. What you should not do: stop paying maintenance fees hoping the resort will just take it back. Unpaid timeshare fees can go to collections, damage your credit, and in some states the HOA can foreclose on the timeshare interest, which can leave you owing a deficiency balance even after losing the property. If you're behind on fees and considering just walking away, talk to your state AG consumer protection office or a licensed attorney first, not an exit company promising a quick fix.
Are timeshares scams?
The timeshare industry itself is legal and regulated, not a scam by definition, but it has a documented history of high-pressure sales tactics, inflated resale-value claims, and, separately, a large ecosystem of exit and resale scams that prey on frustrated owners after the fact. The American Resort Development Association (ARDA), the industry's own trade group, has reported multibillion-dollar annual U.S. timeshare sales volume in its industry surveys, showing how large and mainstream the business has become. That scale doesn't mean every sale is fair; it means the product is common enough that state regulators write specific disclosure and rescission laws just for it. The scam risk concentrates less in the original purchase and more in two places: the sales pitch (misrepresenting the unit as an "investment" that appreciates, which timeshares almost never do) and post-purchase exit or resale offers that demand large upfront fees with no real service behind them. The FTC's consumer guidance on timeshare resales specifically warns owners to be suspicious of unsolicited calls claiming a buyer is "ready to close" if you just pay a fee first [3].
How much is a timeshare, and how much do timeshares cost overall?
| Upfront purchase price (developer-direct) | $15,000 to $40,000+ | |
|---|---|---|
| Annual maintenance fee | $800 to $1,500+, average near $1,000-$1,200 | |
| Special assessments (occasional) | $500 to $5,000+ per incident | |
| Resale market value | Often $0 to a few hundred dollars | |
| Exit company fee (varies by contract) | $2,000 to $10,000+ | Maintenance fees are the part that catches most owners off guard years later. They typically rise annually, sometimes by 3% to 5% or more, and resorts can levy special assessments for large repairs (roofing, hurricane damage, renovations) on top of the regular fee. If rising fees are your main problem rather than a fresh purchase you regret, see our maintenance fees coverage for what's normal versus what to challenge. |
Purchase prices vary widely by brand, location, and unit size. Industry survey data collected by ARDA has put average developer-direct purchase prices in the low-to-mid $20,000s in recent survey years, with average annual maintenance fees in the $1,000 to $1,200 range, rising most years faster than general inflation . Here's a rough cost picture: | Cost component | Typical range |
What should you check before hiring any exit company, Wesley Financial Group or otherwise?
Run this checklist before you sign a contract or send a deposit to any exit company: 1. Get the total fee in writing, including whether it's a flat rate or increases if the process drags on. 2. Ask directly whether any portion is refundable if they don't get you out, and get that answer in writing too. 3. Check the company's complaint history with your state attorney general's consumer protection division and the Better Business Bureau. 4. Confirm they are not advising you to stop paying your resort or your lender. Missed payments can trigger credit damage or foreclosure regardless of what the exit company promises. 5. Ask who actually does the legal or negotiation work: an in-house attorney, a partner law firm, or a non-attorney case manager. That matters if your exit depends on a legal argument (fraud, misrepresentation, rescission violation). 6. Search the company's name plus "lawsuit" or "attorney general" before paying anything. Some readers prefer building their own exit case with attorney-drafted templates and state-specific guidance rather than paying a company several thousand dollars for work they can largely do themselves for contracts still within rescission or eligible for a resort's own deed-back program. That's the gap our $149 Exit Kit is built for: rescission letters, deed-back request templates, and state-specific guidance, not a promise to negotiate with your resort on your behalf.
How do refunds work if the exit company can't cancel your timeshare?
This is the single most important question to get answered in writing before you pay anyone. Refund policies vary enormously across the exit industry, from full money-back guarantees with specific conditions, to partial refunds, to no refund at all once work has "begun." Wesley Financial Group has stated publicly, including in past media coverage, that it offers refund provisions under certain conditions, but the specific terms (timeframes, what counts as a completed service, what voids the guarantee) are set out in the client contract, not on the marketing website. Don't rely on a verbal promise from a salesperson. Get the refund clause in the actual signed agreement. Read it fully. If anything is vague ("reasonable efforts," "industry-standard timeline"), ask for it to be made specific before you sign. The FTC's broader consumer guidance on debt relief and fee-based services (a similar structure to timeshare exit) recommends treating any verbal refund promise as worthless unless it's in the written contract [3]. Apply that same skepticism here.
When does an upfront timeshare exit fee cross into scam territory?
There's no single dollar threshold; the scam signals are about structure, not price. Watch for these together: - Full payment demanded before any work starts, with no milestone-based payment structure
- No refund policy in writing, or a refund policy that's vague enough to never apply
- Pressure to stop paying your timeshare loan, maintenance fees, or mortgage "because it won't matter once we cancel it"
- Claims of a guaranteed outcome ("we've never lost a case") for a process that inherently depends on your specific resort, contract, and state law
- Requests to pay by wire transfer, gift card, or cryptocurrency instead of a credit card, which removes your chargeback protection State attorneys general have brought enforcement actions against timeshare exit and resale companies over exactly this pattern of upfront fees with no delivered service. Before paying any company, search their name alongside your state's AG office and "complaint" or "lawsuit." For a broader rundown of red flags across the exit industry, see exit scam awareness and timeshare exit companies.
Frequently asked questions
How much does Wesley Financial Group charge to cancel a timeshare?
There's no published flat rate. Based on consumer complaints, court filings, and news coverage, fees typically range from about $4,000 to $9,000 or more per contract, often payable through financing plans. Get an exact written quote and refund terms before paying anything, and verify the company's standing with your state attorney general first.
How to get out of a timeshare?
Start with your state's rescission window if you recently bought (confirm your state's rescission window, since deadlines vary). If that's passed, check whether the resort offers a deed-back or surrender program, try resale or giveaway, and only consider a paid exit company after checking its complaint history with your state AG and the BBB.
How do you get out of a timeshare after the rescission period ends?
Your main paths are a resort-run deed-back program (often the cheapest legitimate option), resale even at a very low price, a legal claim if the original sale involved fraud or disclosure violations, or a paid exit company as a last resort. None of these is guaranteed, and none should require you to stop paying what you currently owe.
How to sell a timeshare?
List it on a licensed timeshare resale marketplace or through the resort's own official resale program if one exists (Marriott and Disney Vacation Club both run these). Price expectations should be low, often near $0, since resale value rarely reflects the purchase price. Avoid any company demanding an upfront fee before finding a buyer.
How to get rid of a timeshare nobody wants to buy?
Check the resort's deed-back or surrender program first, since many major brands accept units back from owners in good standing with no loan balance. If that's not available, consult a licensed attorney about your contract rather than stopping payments, which can trigger collections or foreclosure on the timeshare interest.
Are timeshares scams?
The industry itself is legal and regulated; ARDA's industry surveys report multibillion-dollar annual U.S. timeshare sales volume. The scam risk sits mostly in high-pressure sales tactics claiming investment value, and separately in post-purchase exit and resale companies that charge large upfront fees for little real service.
How much is a timeshare?
Developer-direct purchase prices have averaged in the low-to-mid $20,000s per recent ARDA industry survey data, though prices range from about $15,000 to $40,000 or more depending on brand, location, and unit size. Resale market value is typically far lower, often under a few hundred dollars.
How much do timeshares cost per year in maintenance fees?
Average annual maintenance fees run roughly $1,000 to $1,200 according to industry survey data, though many owners pay more, and fees generally rise year over year. Special assessments for major repairs or storm damage can add $500 to several thousand dollars in a single year on top of the regular fee.
Does Wesley Financial Group offer refunds if they can't cancel the contract?
The company has referenced refund provisions in past statements, but the actual terms live in your signed client contract, not marketing materials. Get the specific refund conditions, timeframe, and what counts as 'completed service' in writing before paying, and treat any verbal refund promise as unenforceable.
Is it legal to just stop paying my timeshare maintenance fees?
You can choose to stop paying, but it carries real consequences: the HOA can send the account to collections, report it to credit bureaus, and in many states foreclose on the timeshare interest, sometimes leaving a deficiency balance. No exit company or article can tell you this is risk-free. Talk to your state AG's consumer office or an attorney if you're considering it.
What's the difference between rescission and a deed-back program?
Rescission is a short legal window (length varies by state) right after signing where you can cancel with no reason and no fee owed. A deed-back or surrender program is a separate, later option some resorts offer to take the deed back from current owners, usually only if the mortgage is paid off and fees are current.
How do I check if a timeshare exit company is legitimate before paying?
Search the company's name with your state attorney general's office and the word 'complaint' or 'lawsuit.' Check its Better Business Bureau profile for pattern complaints. Ask for the total fee, refund policy, and cancellation policy in writing before you sign or pay anything.
Sources
- Better Business Bureau, Wesley Financial Group LLC profile: Consumer complaint and review history referenced regarding fee amounts and outcomes
- Consumer Financial Protection Bureau, Consumer Complaint Database: Public complaint database used to review patterns in timeshare exit company fee disputes
- Consumer Financial Protection Bureau, complaint database search tool for timeshare-related complaints: Searchable record of complaints filed against timeshare and timeshare-exit companies, usable to check a company's history before paying
- Consumer Financial Protection Bureau, "What happens if I don't pay my timeshare maintenance fees?": Unpaid timeshare maintenance fees can lead to collections, credit damage, or foreclosure on the timeshare interest
- U.S. Department of Justice: Timeshare exit company owners have faced criminal prosecution for fraud related to upfront fee scams.