Date: September 29, 2006
When I became 18yrs old I was hanging out w/ some bad influences who I thought were my friends and did some real stupid shit. I got a bank account and was trying to save money but that didnt last for long because after a couple of years I then started to write some bad checks cause my friends had talked me into it. Once I started it,, and seen how easy it was then I kept going till the checks wouldn't go through anymore. Now it's been like 10yrs and I have been wanting to own my own home so I have something stable for my children. I been through a homebuying education course and got my certificate, plus have spent the last 4-5yrs cleaning up my credit and building credit. The one thing I'm pissed about is that 10yrs ago I recieved a certified letter in the mail at my mother's address and she signed for it knowing I told her to NEVER sign ANYTHING for me. It just happened to be a court document for me to go to court in regards to a few of the bad checks I wrote to Big Bear Company. I of course didn't find this out untill 2yrs later when I was on the computer looking up something else that had to do w/ court. Of course I confronted my mother but it was useless cause she claims she don't remember doing it. Anyhow I found out that I now have a judgement against me for $3,200 when I only owed the company $1,000. If I had known about the court date I would have went and could have worked out payments arrangements or at least been able to defend myself. So now that's the one thing that is holding me up from getting a loan to buy a house for my family. I've worked soo hard to pay alot of things off and clean up my credit etc but I feel though I might have done it for nothing. I'm running out of patience and I really need a bigger home now that I have #4 children instead of #2. I have a #3br half double and my #2 girls share a bedroom as well as the #2 boys but it's just not big enough. The bedrooms are small as it's not enough room for ALL their toys and bunkbeds etc.
