Has the better business been contacted regarding their recent tactics? I believe that a credit collection company must have our names from Breakwater. Breakwater may have gone out of business. Don't know for sure, but it has been several years with no contact from Island Pacific Trader and nothing from Breakwater. Our original salesman said you do not have to pay dues if you don't use the service. So we didn't use the service or pay any dues. But we paid upfront for membership and first year's dues. This must be a branch of the timeshare industry. Anyway, to get your money. Now there are many companies that will help you cancel your timeshare. We are several. User's recommendation: Don't bother.