Happy to Finally be Barking Up the Right Tree!
| Listing Information | |||
|---|---|---|---|
| Amount: | $4,500.00 | Status: | Loan created |
| Grade: | HR | DTI: | 7% |
| Lender Rate: | 29% | Borrower: | patysmom |
| Finished | State: | CA | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 4+ months late | Origination Date: | 2007-05-29 | EricsCC ROI: | -27% |
| Status History | |
|---|---|
| May 26, 2007 | Current |
| Oct 14, 2007 | Late |
| Oct 30, 2007 | Current |
| Dec 14, 2007 | Late |
| Dec 30, 2007 | 1 month late |
| Jan 31, 2008 | 2 months late |
| Mar 01, 2008 | 3 months late |
| Mar 30, 2008 | 4+ months late |
|
Purpose of loan: Last listing was 86% funded! I am so happy to be making progress and ask those of you who bid last time to consider bidding a little bit more this time. I can't reduce the amount of my loan request because I need the full amount to do what I'm trying to do, which is pay off a back tax bill that's plagued me for several years. It's the last loose end from my past, and I'd love to retire it for once and for all. My financial situation: There are two recent changes in my finances that make me confident that I can make my Prosper loan payments. I have recently paid off my car, which saves $450 a month, and in a few weeks my youngest graduates from college (UCLA!!!), so I'm about to be done with college expenses. Although Propsper rtaes me an "HR", I don't think that my credit scores (585,595, 605) accurately reflect my circumstances and accomplishments. I had a messy divorce and got left with husband's business debts and taxes, and a house with a mortgage greater than th evalue of the house. I struggled along for a few years but ultimately had to file a bankruptcy. In spite of this I've managed to put two kids through school, get rid of the too big and too expensive house, and buy something small and more affordable. I've always earned my living in commissioned sales and there are good years and difficult years, but I always seem to manage. My last three years 1099 income is as follows: $61,000 (2006), $59,000 (2005), and $65,000 (2004). Monthly expenses: $ Housing: $ 1151 Insurance: $ 745 (medical,auto, homeowners) Car expenses: $ 125 Utilities: $ 350 Phone, cable, internet: $ included above Food, entertainment: $ 750 Clothing, household expenses $ included above Credit cards and other loans: $ 250 Other expenses: $ 360 (for estimated quarterly tax payments) |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 117366 | 2 Graduations and the Tax Man | HR | $7,000 @ 24% | Mar 30, 2007 | Expired |
| 125580 | 2nd Try for 2 Graduations and The Tax Man | HR | $4,500 @ 29% | Apr 18, 2007 | Expired |
| 134124 | H-R needs H-E-L-P with T-A-X-E-S!!! | HR | $4,500 @ 29% | May 07, 2007 | Expired |
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