I’ve made a mistake. I’m not going to make an excuse for it. It was incredibly stupid and it’s deservedly cost me a great deal. I can’t practice in the profession I went to school for and I will never be able to. I’ve accepted that. I whole heatedly believe I deserve it. I’ve made what amends I could in this situation and I’ve moved on to the best of my ability. I’m not looking for sympathy or complaining about the cards I basically dealt myself in life. The thing I can’t accept, the part of the whole situation that isn’t fair is how it’s going to have a devastating affect on my mother. My mother who has always done the best to make sure I was taken care of. My mother who raised me to be a far better person than I turned out to be. My mother who kept it together when my father died at just 47 years old. My mother who made sure I still had the opportunity to go to college. My mother who is my best friend and my everything is facing losing her home. The home she and my father bought and paid for together because of my mistake. You see when my father died, his family insisted that my mother open a succession. This simple request all those years ago has come back to haunt every moment of my life right now. My father’s succession gave me (only 17 years old at the time) interest in the house. Half of it became mines. It was always just a thing on paper. It wasn’t something I gave a second thought about. Years later (almost 15 to be exact) I made a mistake. I was sued. I wasn’t completely aware of the ins and outs of the legal system. I had no idea that if I didn’t respond to the lawsuit I wouldn’t just get a court date. That’s what I thought would happen. Instead I learned in an extreme version of the hard way that something called a judgement of default exists. A judgement of default means no judge looks over the case, there is no court date, it’s just taken as a complete acceptance of fault. This is where my nightmare began. Don’t misunderstand. I did call a handful of lawyers when I got the original papers and because I live in a rural area I couldn’t even find one to take me on. I’m not sure I would have had the money to do much but, I would have done something had I known. About a year after my fate was already sealed (unbeknownst to me) I received a letter hand delivered by the police department giving me a court date, not to plead my case but to be judged as a debtor. I called lawyers again and did find someone who could at least look over the papers and tell me what they meant. I met with what is now my lawyer and he explained to me what had happened and told me that I needed to go meet with the lawyer who sent this paper. Because at the time I thought I didn’t own anything my lawyer told me it would be fine. I just needed to explain to them that I take care of my mom and I have no income currently. I went to the court date and the other lawyer was very nice to me. I answered all his questions and I cried more than I should have and at the end he said he would talk to my lawyer to see if we could work out a post judgement settlement. I thought this was a great idea. I honestly wanted the whole thing over and done with. About a week later I was informed the settlement was $71,000.00. I cried. My mom and I talked and we decided with the help of my husband we would refinance my mom’s house. That way everything could be taken care of and my husband and I could just pay the note and everything would be fine. We went through all of the paperwork and the back and forth and ended up with a non-qm mortgage loan. I didn’t have credit almost at all and my husband’s credit wasn’t the best. The note was going to be $800 a month. High but it was doable. Everything was going to be okay. We presented everything to the opposing lawyer and they agreed to give us time to get things done. We were set to close our loan on April 6th. I couldn’t wait. I paid for the new home insurance policy and my requested the 6th off my lawyer knew when we were closing. April 3rd my mortgage officer called and said she had bad news. My mortgage officer was pulling out of non-qm loans. COVID-19 was effecting the stock market too much. My closing wouldn’t go through. I would need to bring up our credit scores and as soon as Louisianan would go back into phase 3 they would come back. At the time she said we’d probably close by the end of the summer. It’s September and they have not gotten in to phase 3. Angel Oak still isn’t doing non-qm loans and I got the call that if I don’t come up with the money by October 14th. My mother will lose her home. This is all my fault. For her part my mom has been calm and reassuring as I continue to lose hope. I’ve never done anything like this before. This has been the absolute most humbling experience of my life. I never in my life thought I’d be in this position. I’ve completely run out of options. I can’t just let my mom be punished for something I did. Please, if there’s anyone out there that could help me or more importantly help my mom please please do. There’s no thank you that would ever be enough.