What is the name of your state? I live in Florida and my husband and I bought into a vacation package and it was financed for a term of 30 months and even the down payment was financed for 5 months. However we are now in a financial bind and really cannot afford to keep paying this monthly fee and we definately cannot have it go towards our credit. We tried to read the terms and conditions of the contract; however; we only received a front copy (from their copy machine) that states how much is being financed, payment schedule, APR, and it discusses late charge, NSF fees, promise to pay and a notice that the terms and conditions of contract on both sides of page (which we didn't receive back side of page). And if we could get out of this contract, would we be able to have our money that has been paid returned to us (We HAVE NOT used any vacation time at all or even made any reservations with this company) Thank you for any answers you may be able to provide.