If there is a lien, it makes no sense to deed it over to a viking ship. Defaulting on the loan payments will kill one's credit. Avoiding the foreclosure is pointless.
Whats next is you hire an attorney to present your case to Wyndham, or you do it yourself. and your case is simple "Im not paying another red cent, and you guys have only two choices..Take it back and forgive the loan, or foreclose"
This is no different than the dozens of shortsales I was involved in as a real estate agent (Lee County Florida was the short sale and foreclosure capitol of the world). The banks always resisted but once they understood my client was serious, they allowed a short sale to go through
Ive seen it with Wyndham too; once when the owner claimed the salesman lied, and once when the owner showed them how her financial situation had changed. quick and easy deed back and a satisfaction of the loan was recorded
Wyndham does not employ stupid people. If they arent getting paid, they will get it back to sell again
There is no reason to believe that the outfit that took the ops money wont do their best to get the op out of this deal