Will I be able to rent or buy a home with one bad mark on my rental history?

2017-09-07 3:37 am
When I was 19 my mom and I relocated to a new house. Since I was 19 and legal I was required to sign as a "leaseholder" even though I just wanted to be considered an occupant. He (landlord) said I couldn't be an occupant since I was over 18. I was a complete dependant and wouldn't be paying rent. He already knew that but made me sign anyway. Fast forward a few years and I was moved out, he randomly sends my mom a "30 day notice" for no reason, but required the entire month's rent of the month he wanted her out (he wanted her out by Feb 1st but he also needed February's rent paid before leaving or he would press "legal action" ). She refused so he sent ME to court for it. Now I owe $3k cus of some bogus charges he made up at the top of his head, that I couldn't prove were fake. Fast forward a few more years, I've been living on my own for a while. Even was on a lease with my boyfriend in a really nice $900 townhouse. Never had a problem. It wasn't until I was moving out of state that my credit was flagged. I have really great rental history, aside from the bogus charges. Will I be able to eventually rent or own a home when the time comes, or have I ruined my chances of ever being able to do it?

回答 (8)

2017-09-07 3:43 am
"I was a complete dependent and wouldn't be paying rent." Wrong. You were a legal adult and you signed a legally binding contract agreeing to pay rent.

"that I couldn't prove were fake" Because they weren't fake. You were sued. You had your day in court to defend yourself with a copy of the lease and all documentation. The judge ruled against you.

A legal judgement will stay with you for life, however it probably won't show up on your credit report for life. That you never paid what you agreed to pay and that a judge in a court of law ordered you to pay isn't helping you.

Grow up sweetie. Nineteen year olds are adults and are responsible for what they sign. They are also responsible for paying what they legally owe.
2017-09-07 5:15 am
Were you one of the dumbassses who did not go to court when summoned? If you went why in the holy hell didn't you show the judge your "proof"?
2017-09-07 4:02 am
Pay your "bogus charges" that were awarded to the landlord by the legal court and get a letter of satisfaction once you have paid, then your credit will not be a problem
2017-09-08 12:48 am
he can't demand rent for Feb if she was given a notice to be out by Feb1st
that's the first think that won't stand up in court
he does have your signature on the original lease but not subsequent leases and when he finally notified your mother to vacate you were out of the picture, I don't see how he has any basis at all
2017-09-07 12:29 pm
Update:

He wanted her out by February 1st. But he wanted her to pay the rent for the month of February before leaving. Meaning he wanted her to pay for a month she wouldn't even be living there. He sent her a notice because he was giving the house to his daughter. The bogus charges came from a "receipt" from a "lawn worker" who came to cut the hedges every week. In the lease it said his brother would cut them without us having to worry about the cost. I BROUGHT THE LEASE but his copy had a completely different amount of rent on it. He even had something saying she owed him $400 in late fees as well as $855 in rent she never paid (the month she wouldn't even be living there) I went to court because she flat out refused to go. He also tried to sue me for $19,000 in damage charges but that case got dismissed since I had proof that I wasn't living there at the time. He even went as far as trying to sue me for my brother living there but he couldn't because my brother was under aged
2017-09-07 7:18 am
At 19 you are a legal adult NOT a dependent regardless of who is paying the rent. The landlord did nothing wrong in naming you in the eviction or charging you any amount legally owed. No proof = they are not fake. NO you do not have excellent rental history. You owe a landlord money.
2017-09-07 3:47 am
Eventually yes...the judgment will drop off your credit report (usually 10 years). However, if you have not paid the $3K, the judgment can be renewed for an additional 10 years (in most states) and hang around. The fact you considered yourself an occupant is irrelevant - in this case, you were no longer a minor (achieving the age of majority has no bearing on your tax status) and the landlord was correct in adding you to the lease. As for "randomly" sending your mother a termination notice, it is only random to you, he probably had other reasons and there is no requirement once a lease reaches month-to-month status for a landlord to have a reason to terminate (except in a very few tenant friendly states such as New Jersey). So, when your mother refused to pay, the landlord came after the next person liable for the rent - you. The question is - did you show up for your court date? If so, obviously, the judge agreed with the landlord's assessment of the extra charges (my guess is that there were cleaning and repair charges, interest charges on the unpaid rent, court costs etc., all of which were not "bogus" but within the landlord's right to get from you or your mother). If you did not show up in court, that is on you - it is called a default judgment.

So, you either pay the charges to get the judgment zero'd out (if you do this, you might be able to petition the court to withdraw the judgment and have it removed from your record, if you have already done this, contact the court clerk and ask how to petition the court to have it removed). or you live with the judgment and hope that some landlord overlooks it.
2017-09-07 3:00 pm
Tell your mother - "Thanks a heap for screwing up my credit". And tell her that she needs to pay it off soon. In full. As for you - none of those charges were bogus and what you think he "made" you do - were required by law. He did not "make" you do anything. You could have moved out on your own. You decided to stay with your mother so you were required to sign the lease, since you were an adult. All adults must be on the lease. Evictions aren't free. Your mother should have paid for the last month she stayed there. She was required to do so. Her stupidity and arrogance - don't buy into it. You owe $3k because your mother was evicted for non-payment of rent. Because of her failure to pay under the contract you both signed, she screwed you, not the landlord. She incurred late fees, penalties, court costs, service costs, possibly lawyer's fees and interest is still accruing at about 10 percent and will continue to accrue until paid in full. It will be very difficult to rent with that history. Nobody wants to be your next victim, or hers and, your credit - this will cost you a pile of money in a higher interest rate on a loan, for buying a housee for example. The rate given depends on a number of things, mainly your credit. You also have a civil record - court records are forever. Your mother screwed you BIG time. Don't blame the landlord. He was entitled to sue her because she scr*wed him out of rent money. Your mother is 100 percent at fault, not the landlord and if your mom moved out early, the landlord had to sue her for eviction in order to legally re-rent the place. Don't be doing your mother any favors. She owes you for the rest of her life after that stunt.
參考: Certified Paralegal, with 25+ years' experience & with Landlord & Tenant law experience.


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