Stopping payment is not a strategy by itself
Default can mean collections, a hit to your credit, a foreclosure on a deeded week, or a deficiency if there is a loan. Some developers also lock reservations, which is painful and still cheaper than a damaged credit file you did not intend.
We do not tell you to stop paying before you hold a written release that names your interest. A partner law firm can talk with you about hardship, but that conversation is not a sentence on a website.
What the statements tell us
A maintenance statement shows who is billing you, whether the fee is from an HOA or a club, and whether a special assessment has been added. It also shows if an upgrade was financed on top of the original loan. Those are different debts, and an exit that resolves one can leave the other in place.
Assessments versus the loan
A timeshare mortgage and the annual maintenance obligation are separate. Paying off the loan does not end the maintenance. Giving the week back does not, by itself, forgive the loan. The review separates those so you are not solving the wrong bill.
Any fee is explained in writing before paid work begins. We do not quote a price from a form, and we do not tell you to stop paying your resort before you hold a written release.