While you example fits correctly for a condo type of environment, I don't feel it fits DVC and DVD. As we all know Disney very rarely do anything dealing with money without thinking everything through. As an owner I am not worried about some people not paying or DVD having to dig into the reserves causing any havoc on the system.
Please keep in mind that there has been a special assessment when one of the hurricanes in 04 or 05 wrecked havoc on the Vero Beach property so it has happened before.
Anyone here a DVC owner?
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