Payday Headaches...too Many Sleepless Nights
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,500.00 | Status: | Loan created |
| Grade: | E | DTI: | 21% |
| Lender Rate: | 21% | Borrower: | 2crazboyz |
| Finished | State: | TX | |
| Funded: | 100% | Group: | Have Money - Will Bid |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-04-19 | EricsCC ROI: | 16% |
| Status History | |
|---|---|
| Apr 19, 2007 | Current |
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Hello and thank you for taking the time to view my listing. I want nothing more than to get out from under my payday loans...I'm desperate. Trying to get ahead is impossible with the extremely high finance charges on these loans. THEY ARE TRULY A VICIOUS CYCLE! I need help and sleep. My fiance and I recently moved in together to help reduce some additional bills. He's very understanding of this debt I have and wishes he was able to do more. He is a single parent of a 13 year old daughter. I have two children ages 19 and 7. My oldest will be graduating high school in May. My credit has suffered in the past due to divorce. I won't be able to get out from under these loans without some extra help. Debts to be paid with loan: Loans of Texas - $400 plus $106 interest ($506.00) Cash America Pawn - $736 plus $139.35 interest ($875.35 total) Check n Go - $1275 plus $266.87 interest ($1541.87 total) Direct Deposit Advance from Bank - $500 plus $50 interest ($550.00) Total debts $3473.22 I work for the military and have been employed with the same agency for 15 ½ years, my income is very stable. My Net Monthly Income: $3000 (I also receive $250 for child support) Monthly Budget: Mortgage/rent: $625 Insurance: $80 Car Expenses: $476 Utilities: $75 Phone, Cable: $175 Food, entertainment: $200 Clothing, household expenses: $75 Credit cards: $160 Fuel expense: $100 Payday loans: $600 Total Monthly Expenses: $2566 As you can see, with just a little help, I have $684 left over to be used, not only for my Prosper Payment, but for savings and emergencies so that I never get into this situation again. I can begin to live a normal life free from the stress caused by Pay Day Loans. I have learned my lesson. I promise that my payments to Prosper will be my top priority each month. In fact, I am going to have Prosper automatically withdraw my payments each month so that everyone, including myself, knows that my payment will be made on time, every time. I'm not about to make a mistake with this opportunity to start rebuilding my credit. Thank you again for viewing my listing, and God bless. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 121968 | Payday Headaches...too Many Sleepless Nights | E | $3,500 @ 24% | Apr 11, 2007 | Withdrawn |
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