A middle aged woman needing a second chance
| Listing Information | |||
|---|---|---|---|
| Amount: | $6,500.00 | Status: | Loan created |
| Grade: | D | DTI: | 20% |
| Lender Rate: | 16% | Borrower: | pearl1 |
| Finished | State: | IA | |
| Funded: | 100% | Group: | Everyday People |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Late | Origination Date: | 2007-03-23 | EricsCC ROI: | 11% |
| Status History | |
|---|---|
| Mar 23, 2007 | Current |
| Nov 07, 2008 | Late |
|
To Whom this may concern: I am a middle aged, divorced woman, mother and grandmother. I have a very secure job and have always prided myself with my good credit. The last 11 years since divorce, I finally surrendered to bankruptcy and filed in November 2004 which was released in March 2005. There was joint debt I was stuck with and I fell into an oppressed real estate market along with that. I had my home on the market from March 2004-April 2006 in a small community with 100 on the market. In April of 2006 I deeded the house back to Countrywide (deed in lieu of foreclosure). I never included the second mortgage in the bankruptcy because I never dreamed I would not sell the house. I had moved closer to my job and was making two payments, a mortgage and rent. Regarding my current situation, here is my current budget. My gross is $3260 a month with a $2200 take home net. I work a part time job and get paid biweekly and that check is usually around $160 every two weeks. I have worked at my 1st job since September 2000 and my second job to get a handle on my situation since September 2006. Total Net Income: $2520 My monthly expenses are as follows: $650 Rent $130 Utilities $150 Cable/phones/internet $125 Car Payment $125 Insurance & gas $250 Groceries & household spending $ 62 Parking $ 60 Medical $100 Entertainment $ 15 Express $186.64 9% $ 20 Von Maur $289 Interest Free $225 Credit Union loan $11,241 balance $247 Prosper Loan Total w/ Prosper loan: $2155 Total remaining for savings & paying additional toward debt $365 Accounts I?m paying on now but would like to consolidate w/ Prosper: Stage $116.40 18% HSBC $275.21 20% American Express $286 20% Dell $751 30% Gap $101 18% Capital One $542 20% Target $186 18% Dentist $668.80 Eyecare bill $99 Cash Advances $2200 One month Rent $650 Taxes due 4/17 $699 There was showing a delinquent amount of $231.00 that was for Alliant Energy when I moved that has been taken care of and paid off. I am committed to this hard journey in my life at present and want to thank you in advance for your consideration, Best regards, Pearl1 |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 224272 | Wanting to pay off my car and other debt | C | $4,000 @ 15% | Nov 01, 2007 | Loan created |
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