Will I be disqualified? This is something I really want

[Clippersfan86]

Okay so a little about myself. My name is Michael and I just turned 25 years old. I always wanted to work in law enforcement but never really pursued it like I'm ready to now. I have absolutely no criminal background (including drugs, DUI's etc), no moving/traffic violations (tickets). What I do have though that I'm worried about is a spotty employment history and a repo on a car from 5 years ago.

The spotty employment has to do with not having a stable home and being on the move a lot.. as well as me going back to college two times. My credit score is very bad though. I have 2 negative things.. one a small cell phone debt of 300 and a written off debt of 8000 for the car repo. I tried to work out a deal on the repo but the bank was unwilling to work out payment plans or even pick up the vehicle because the engine blew up. I was mainly just being an irresponsible 20 year old by getting a car I couldn't afford, no way around it.

Are these two things likely to disqualify me even with the positives I mentioned? If I pass all my tests in the application like the physical, agility, psych, verbal and poly with flying colors can it offset these 2 major negatives on my application? I'm sorry for asking you guys questions you've probably already heard 100 times but I'm really serious about getting into this career and want to give myself the best shot possible.

[retdetsgt]

I have 2 negative things.. one a small cell phone debt of 300 and a written off debt of 8000 for the car repo. I tried to work out a deal on the repo but the bank was unwilling to work out payment plans or even pick up the vehicle because the engine blew up. I was mainly just being an irresponsible 20 year old by getting a car I couldn't afford, no way around it.

The repo story smells. Sounds to me like you just quit making payments on it because the engine blew up. And I seriously doubt they would refused to accept money and written off the loan if you'd made an effort to pay them something. That's not good business practice.

The reason I don't buy that is because when my youngest was in the Navy, she got taken by a car dealer and paid $17k for a $12K car. Then when she got out of the Navy, she couldn't find a job that paid enough for her to make the payments. She did a voluntary repo, but still owed $5k. The bank set up a payment plan so she could pay it off and still buy another, much, much cheaper car. I think the part about you being irresponsible is what the story is about.

I can't give you a definite answer for all agencies, but I do know mine passes over people who done similar things.

[Clippersfan86]

The repo story smells. Sounds to me like you just quit making payments on it because the engine blew up. And I seriously doubt they would refused to accept money and written off the loan if you'd made an effort to pay them something. That's not good business practice.

The reason I don't buy that is because when my youngest was in the Navy, she got taken by a car dealer and paid $17k for a $12K car. Then when she got out of the Navy, she couldn't find a job that paid enough for her to make the payments. She did a voluntary repo, but still owed $5k. The bank set up a payment plan so she could pay it off and still buy another, much, much cheaper car. I think the part about you being irresponsible is what the story is about.

I can't give you a definite answer for all agencies, but I do know mine passes over people who done similar things.

Sorry I wasn't more detailed. I wrote my thread at like 3 am . You are correct. What basically happened is I told them the engine blew up and I need a new car so couldn't afford to pay the full amount, at the same rate. I talked to their corporate about voluntary repo+ payment plan but they kept giving me the run around. I called for months.. telling them to please pick up the car because I don't want a repo on my record and the entire time I said I'd be willing to negotiate a more affordable payment.

I guess they had no use for a broken car which I understand but I really did try to do the honorable thing.

[Clippersfan86]

I really wish the bank did do what they did for your daughter and slashed the loan from 12k to 5k. If that happened it would of been paid off long ago. I'd even do a polygraph to prove that I made an honest effort to work out a deal with the bank. It wasn't like I was trying to run away from the debt and ignore them.

[retdetsgt]

I really wish the bank did do what they did for your daughter and slashed the loan from 12k to 5k. If that happened it would of been paid off long ago. I'd even do a polygraph to prove that I made an honest effort to work out a deal with the bank. It wasn't like I was trying to run away from the debt and ignore them.

I just said she overpaid for the car. They sold the car and she had to pay the difference in what that got for it and the original amount. She ended up paying over $5K after they took the car.

[Clippersfan86]

Oh sorry.. I misread that.