text: fess up to the mistake and chalk it up to experience. 20 yrs from today you'll never know the difference. the deal to deal with now is the correction of the problem, not ponder over spilt milk. you mom should be able to co-sign for you at the bank for an overdraft acct. and cover the losses and pay the bank or your mom off in quick smaller pmts so not to kill anyone off and press on to bigger and better things...like life and the love of a mother for her daughter and visa versa.\nif that doesn't work...let me know, i'll pull something out of my bag of tricks.\nluck