Eric's Credit Community

Hello,and thank you for taking the time to view my listing, I have been a lifelong
resident of Illinois.  I enjoy bowling,fishing,and good conversation with friends and
family.  I have a request to make at this time.  Over the last few years I have
accumulated debt.  My explanation is as follows:

My financial situation:

I currently have payday loans and credit cards I want to put behind me.  I ran
into some health problems several months back. Unfortunately this combined
with some poor financial decisions in the past has left me with more debt.  I
made the worst mistake by taking out payday loans I thought would be simple
to pay back.  Now I have 3 delinquencies as a result of just trying to keep up with
the interest on the payday loans.  I have really sat down and budgeted only to realize
what I have got myself into.  I have more than learned my lesson. My current debt is
as follows:

Cash Store $914
Premier Processing $260
Geneva Rothcap $360
Fast Cash $260
Household Bank $700 (credit card)
Credit One Bank $669 (credit card) this is being paid off
Capital One $3,000

My income and budgeting plans:

If I had the opportunity to receive a prosper loan I would use it to clear up all of
my financial obligations.  I net around $1520 a month without overtime,which at times 
there is plenty of.  At this time I'm averaging about $1400 a month with these
payday loans and credit cards.  A loan from prosper would greatly reduce my
monthly payments by $500 a month.  These figures are with living expenses
added in.  My top priority each month would be my prosper loan payment as it is
what would help me to live more comfortably in the first place.  I have ACH elected,
so timely payments would not be an issue.  I'm not about to make a mistake with this
great opportunity to simplify my financial life and improve my credit rating.  As for my
living expenses they are as follows:

Monthly expenses: 
  Housing: $ 375
  Insurance: $ 65
  Car expenses: $ 0
  Utilities: $ 100
  Phone, cable, internet: $ 75
  Food, entertainment: $ 200
  Clothing, household expenses $100
  Credit cards and other loans: $ 600
  
As you can see even with a monthly prosper payment my expenses would be dramatically
reduced.  This would allow me to live a much more comfortable financial life and to live well
within my budget.

Again I thank each and everyone of you for viewing my listing