Consolidate bills down to 1 payment per month
| Listing Information | |||
|---|---|---|---|
| Amount: | $10,000.00 | Status: | Loan created |
| Grade: | E | DTI: | 22% |
| Lender Rate: | 23% | Borrower: | siouxsmurf |
| Finished | State: | CA | |
| Funded: | 100% | Group: | closed12345 |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Default | Origination Date: | 2007-04-26 | EricsCC ROI: | -59% |
| Status History | |
|---|---|
| Apr 25, 2007 | Current |
| Nov 10, 2007 | Late |
| Nov 23, 2007 | Current |
| Dec 11, 2007 | Late |
| Dec 21, 2007 | Current |
| Jan 10, 2008 | Late |
| Jan 25, 2008 | Current |
| Feb 10, 2008 | Late |
| Mar 01, 2008 | 1 month late |
| Mar 28, 2008 | 2 months late |
| Apr 27, 2008 | 3 months late |
| May 29, 2008 | 4+ months late |
| May 30, 2008 | 3 months late |
| Jun 28, 2008 | 4+ months late |
| Dec 29, 2008 | Default |
|
Purpose of loan: I had a Medical situation come up in which required 2 surgeries, physical therapy for almost 2 years and unfortunately had to claim bankruptcy in August 2005. I am doing great now medically. Unfortunately with the bankruptcy, it is hard for me to get a loan. I want to consolidate my debt into 1 payment per month as this will make things much easier. I do pay my bills and my credit report shows that. My financial situation: As I mentioned above, I claimed bankruptcy in August 2005 as a result of a Medical situation as I got inundated with medical bills due to co-pays and 10%. I'm doing great now. I am working myself out of the debt situation that was accumulated afterward so I could build up credit. I would like to consolidate it all down to 1 bill per month and have it paid off in 3 years. This would really help me having it all consolidated. My monthly budget: Mortgage/rent: $760 Insurance: $200 Car expenses: $450 Utilities: $50 Phone, cable, internet: $200 Food, entertainment: $600 (includes vitamins, herbs, etc.) Clothing, household expenses $100 Credit cards and other loan payments: $500 Other expenses: $100 --------------------------------------- Total monthly expenses: $2,960 Free cash flow after bills $340 Above is an approximation of my monthly bills. As I mentioned above, I had a Medical situation come up that inundated me with major bills and had to claim bankruptcy in August 2005. I have been building up my credit ever since as my credit report will reflect. I now want to consolidate the debt and get rid of the credit cards (except for 1 with no balance and only use in an emergency to keep continuing to get good credit). I also found out that I owe taxes this year to the IRS in the amount of $6,000 due to incorrect information on deductions. I want to pay my tax bill and pay off my credit cards and have 1 payment per month and have the debt paid off in 3 years!!! I have every intention of paying off this loan and maintaining and getting my credit up to good standing and also helping out my group in maintaining an excellent credit rating. My debts are: Credit card 1: $1650 at 55% Credit card 2: $600 at 23% Credit card 3: $600 at 23% Credit card 4: $600 at 23% Credit card 5: $500 @ 23% Tax bill : $6000 |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 119722 | Consolidating | E | $10,000 @ 26% | Apr 05, 2007 | Withdrawn |
| 120469 | Consolidated bills to 1 payment per month | E | $10,000 @ 25% | Apr 07, 2007 | Cancelled |
| 121249 | Consolidate bills to pay 1 payment per month | E | $10,000 @ 23% | Apr 09, 2007 | Withdrawn |
| 121265 | Consolidate bills to pay 1 payment per month | E | $10,000 @ 23% | Apr 09, 2007 | Withdrawn |
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