timeshare-contract-decoder
GitHub用于解码分时度假合同，计算终身成本、解析 perpetuity 和费用递增条款、计算撤销期窗口，并区分合法退出路径与诈骗陷阱。适用于签约前审查或已拥有者寻求退出方案。
触发场景
安装
npx skills add mohitagw15856/pm-claude-skills --skill timeshare-contract-decoder -g -y
SKILL.md
Frontmatter
{
"name": "timeshare-contract-decoder",
"description": "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."
}
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:
- The contract/offer — price, financing terms, annual fees, the maintenance-fee history if obtainable
- When it was signed (if already signed) — the rescission window may still be open; this is urgent
- The jurisdiction of purchase — rescission periods vary widely; never guess
- Their vacation reality — actual weeks/year they'd use, destinations, flexibility
Framework
- Rescission first, always: if signed within recent days, compute the window now and lead with the cancellation procedure (typically written notice, specific address, postmark rules). This paragraph outranks everything else in the decode.
- The lifetime math: price + loan interest (timeshare financing rates are routinely steep) + fees compounding at the historical escalation rate (ask for history; absent it, model at several plausible rates and say so) − honest usage. Compare against simply renting comparable weeks.
- The perpetuity flags: "in perpetuity" obligations, heir-binding language, developer's unilateral special assessments, exchange-program dependencies that can devalue independently.
- Resale honesty: the resale market for most timeshares is effectively near-zero; the contract's "investment" framing is decoded against that reality, plainly.
- The exit-scam checklist (owners): upfront-fee "exit companies," guaranteed-exit claims, cold calls citing a "buyer waiting" — pattern-flag them. Legitimate paths: rescission (if in window), developer surrender/deed-back programs, licensed resale at honest prices, attorney consultation for misrepresentation cases.
Output Format
Timeshare Decode: [property/company]
⏰ Rescission status: [in window until DATE — cancellation steps below / window closed — see exit paths]
The lifetime math | Horizon | All-in cost | Rent-equivalent | Verdict | Clause decode | Clause | Says | Means | Severity | 🚩 Ranked flags — perpetuity, escalation, assessments, booking reality — each with the quoted line Your usage vs the promise: [honest fit paragraph] Exit paths [owners: legitimate routes ranked · the scam checklist]
End verbatim: "This is a plain-language reading, not legal or financial advice — rescission rights and contract enforceability vary by jurisdiction; for an in-window cancellation act today, and for anything else confirm with a licensed attorney."
Quality Checks
- Rescission status and date lead the decode when potentially open
- Lifetime math shows its escalation assumption and the rent comparison
- Perpetuity/heir language is quoted, not paraphrased
- Resale reality is stated plainly
- The exit-scam checklist appears for any post-window owner
- The disclaimer appears verbatim
Anti-Patterns
- Do not bury the rescission window — it's the most valuable number in the document and it's expiring
- Do not use the sales deck's fee assumptions — model escalation from history or plausible rates, stated
- Do not entertain the "investment" frame — decode it against the actual resale market
- Do not recommend exit companies — pattern-flag the industry and point to the legitimate routes
- Do not shame the buyer — the presentation was engineered by professionals; the decode is for deciding, not regretting
版本历史
- 54fad50 当前 2026-07-19 13:45
