A White Figure In The Night?

I was only about 9 or 10 at the time but this really happened to me. I still remember it, not clearly, but the main points, so here it is. This might sound strange but it is true. One night I was trying to sleep, but every night I would stare into the darkness of my room thinking. Before I fell asleep I closed my eyes and re-opened them. There I saw a white figure at the foot of my bed. It did not move, I only stared at it in fear. I began to whisper my brother's name, soon I was whispering my sisters. Then I began to tear up, I screamed my brother's name one more time. I was crying then, of fear. He turned on the light and I told him what happened. He wanted to see it himself, he turned off the light stood by my bed. Nothing appeared. He left the room after moving some things out of my way that might have reflected light even though my curtains were always closed. As soon as he left the room I saw the figure once again, but this time I did not cry for help or cry, I just stared. Still filled with fear I put myself under the covers and fell asleep in fear.

I believe more in ghosts than I used to, I still remember it about 2 or 3 years later. But, I still wonder how there can be ghosts, heaven and, hell.