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timeshare-contract-decoder

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Decode a timeshare contract before signing — the lifetime cost math, the perpetuity and fee-escalation clauses, the rescission window, and the honest resale reality. Use when asked to review this timeshare, decode my timeshare contract, can I get out of a timeshare, or is this vacation ownership worth it. Produces the true-cost projection, the clause decode with the perpetuity traps flagged, the rescission-window computation, and — for existing owners — the legitimate exit paths vs the exit-scam checklist.

plugins/pm-decoders/skills/timeshare-contract-decoder/SKILL.md

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Nov 11, 2026
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# Timeshare Contract Decoder Skill

Timeshares are sold in a 90-minute high-pressure window and owned for decades — sometimes by your heirs. This skill does the reading the presentation was designed to prevent: the lifetime cost computed, the perpetuity and escalation clauses flagged, and the rescission clock — the single most valuable number in the document — calculated to the day. For existing owners, it separates the real exits from the exit-scam industry that preys on the trapped.

## What This Skill Produces

- **The lifetime cost projection** — purchase + financing + escalating fees over 10/20/30 years vs renting the same weeks
- **Clause decode** — perpetuity, fee escalation, special assessments, booking reality, transfer restrictions
- **The rescission clock** — jurisdiction-dependent cancellation window, computed with the how-to-cancel steps
- **Exit paths (owners)** — legitimate routes vs the scam-pattern checklist

## Required Inputs

Ask for these only if not provided:
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