1. You may be a victim of unethical sales practices. You may not be responsible for your mortgage.You need our service

2. Thousands of people Each year find themselves at salespresentations for timeshare properties.Many just go for the free gift.Many just go for the free vacation.Some for an update meetingSome to hear how more points/weekswill be a great advantage.Many leave with a financial burden theywill carry for the rest of their lives. 3. Smooth Talk..The well dressed, good looking salespersongreets you at the door. He or she willintroduce themselves with lots of smoothtalk. Whether this is your firstpresentation, or you are a seasonedtimeshare owner, you can rest assured thattalk about your family, your hometown, yourfavorite sports team is commonplace. Inthat first half an hour, you feel like you havefound a new best friend. You may think toyourself, Wow, half of the presentation isover, and we havent even been asked tobuy anything. It isnt long before yourealize that your presentation is not close toover It has only just begun. 4. The Presentation Now that you have broken bread and made a best friend, it is time to get down to business. Your friendly sales rep shows you what she/he is there to sell you. The absolute, 100% best vacation property in the entire world, or maybe how another week or more points is just what you need to really maximize your vacation ownership experience. And right from the start, you know it will be out of your price range. 5. Reasons to buyEven though the price ishigh, you need to knowthe reasons to buy: 1. Its an investment! 2. Its a tax write off! 3. The fees never go up! 4. Its the LAST ONE! 5. You can rent it and make money!!Do any of these soundfamiliar to you? 6. But WAIT!! Theres more!You can resell it !We will buy it back!If you buy MORE points,the fees will be LESS!You can travel more!MORE weeks meanMORE fun!You get cheaper airfare!You just won the lottery!And so on, and so on. 7. And now you are sold.But this still does not address the money issue. Yes, you love all of the great things that will happen if you buy this timeshare unit, add another week or buy more points. But you still cant afford it. You look at your wife, your wife looks at you, you both look at the salesman, he looks back at you. And then, he asks you a few questions:1. Money aside, could you see yourselves vacationing like this? Dont you love all of the features? Wouldnt an extra week be great? Wouldnt a DECREASE in maintenance fees be a great thing?You quickly answer: YES!2. If I COULD work a better price, lower your fees, lower your mortgage, WOULD you buy?ANOTHER YES! Or at least one of you does 8. It all comes down to moneyYou have now been cornered. You havetold a professional salesman that youlove his product and that it is only aboutmoney. You are now the couple thatsalesmen dream of, but you know that alowly salesman does not have theauthority to change the price ofsomething that costs tens of thousandsof dollars. He says Ill be right back. 9. Enter The CloserThe Closer is better dressed than the salesman. He will reemphasize every last detail that the salesman gave you. He is the voice of authority. No matter what, he assures, he will figure out a way to get you done, get you financed, lower your mortgage, lower your fees and make you happy. 10. Within minutes.. a price you can livewith (or so you think)You are quicklywhisked to the closingarea and you aresigning your life away.You are just momentsfrom owning yourdream vacationproperty, doublingyour points or buyinganother week. Andthen the nightmarebegins. 11. Meanwhile, back at home Reality sets in. You are home from your3 day vacation and that free trip justcost you 10, 20, 30,000 dollars or more.But lets look at the bright side. You cantravel for one week, every year, and youown it, right? Those extra 250,000points will really come in handy, right?The deal for another 3 weeks inArkansas was just too good to pass up,right? 12. You WERE surrounded bytimeshare salesmen 13. Not long ago, this was you..A proud, new timeshare owner 14. And these were the places youwere going to go! The world wasyours! 15. when the bills come marching inMORTGAGE PAYMENTS MAINTENANCE FEES RCI/II DUES EXCHANGE FEESSPECIAL ASSESSMENTS TAXES (Remember how easily your salesman dismissed those?)(He said they were going to go DOWN, didnt he?) 16. BREAKING NEWS SOMETIMES SALESMEN LIE SOMETIMES YOU DONT GET WHAT YOU PAID FOR THINGS ARENT ALWAYS WHAT THEY SEEM YOU SHOULD ALWAYS READ THEFINE PRINT! 17. But just for the record. There are many honest salespeople You may have gotten what you paid for You did read the fine printThere are many happy timeshare owners.They understand how to use timeshareand make the most of it.They wouldnt trade it for the world. 18. But if you are not happy..If you feel like you were takenIt may not be your fault If it is not yourfault, maybe we can help.Were you told timeshare was an investment? Were you told you could easily resell your unit? Were you told that they could rent it for you? Were you told you could receive tax deductions? Were you explained exchanging in detail? Was your tour longer than 90 minutes? Were you told your maintenance fees will go down? 19. If you answered YES to just some of theprevious questions, you may qualify for ourprogram. 20. Straight from the headlines 21. THE REAL COST OF OWNERSHIP 22. Ok, so now what????? 23. Who we are..Overcoming Adversity, Inc. A Florida Non-Profit Corporation in goodstanding An organization driven to help those lessfortunate through our charitable affiliates Helping victims of timeshare fraud with ourGuaranteed cancellation techniques. Combined 40 years timeshare experience Expertise in Mortgage Consulting andDeed Transfer Services. 24. What we do..Overcoming Adversity, Inc. Assists owners in Mortgage Cancellation Advises owners on proven cancellationtechniques and strategies Offers advice on credit protection duringthe cancellation process Speaks on behalf the owner to collectionsagents (if necessary) Works to recover your monies that werepaid to mortgagor/developer (if applicable) 25. Why chooseOvercoming Adversity, Inc.?