Pay off PayDay Loans
| Listing Information | |||
|---|---|---|---|
| Amount: | $4,757.00 | Status: | Loan created |
| Grade: | D | DTI: | 22% |
| Lender Rate: | 20% | Borrower: | ANGELFYR |
| Finished | State: | OH | |
| Funded: | 100% | Group: | Have Money - Will Bid |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 4+ months late | Origination Date: | 2007-08-03 | EricsCC ROI: | -56% |
| Status History | |
|---|---|
| Aug 02, 2007 | Current |
| May 24, 2008 | Late |
| Jun 05, 2008 | 1 month late |
| Jul 09, 2008 | 2 months late |
| Aug 04, 2008 | 3 months late |
| Sep 04, 2008 | 4+ months late |
|
-->Hello & thanks for reading my listing. I am employed as a firefighter/paramedic at the same department for over 7 years now. I also teach as a lead outreach education instructor for a level I trauma center in my spare time. I am on prosper b/c I need some financial help to make a fresh start. I believe everybody deserves that chance. I am now working 3 jobs to make ends meet & it is taking its toll on my physically. Please Help! -->My credit score is actually through Experian @ 600. I have been involved in a few bad relationships that have put me under financially along with having to pay for my education myself without financial reimbursement from my employer. I take full responsibility for messing up financially. I filled bankruptcy with my ex back in 2003 b/c I thought it would help our situation & our relationship but it made things worse. All the delinquencies that show are from before the 2003 bankruptcies. I just can not seem to make make a dent in paying off my payday loans. I have paid all my bills on time for the past three years with no delinquencies even though I am fighting one that is on my report that is not mine. I know that this was not the smart way to go. I would use the Prosper Loan to pay off the following: Paid Off - CAdvance 390 ? 500 Fastcash 390 ? One Click cash Paid Off - WebLoan 372 ? Apple Payday 390 ? Cash Net 390 ? USFast 325 ? National Paid Off- AdvanceAmerica 2500 ? Cashcall ------- $ 4757.00- Total amount of Debt My current monthly net income is $4500. Here's my monthly budget with the prosper loan: 1000 - Mortgage 130 - Electricity 200 ? Home Phone/Cell Phone 200- Car Payment (down sized car due to financial problems) 125 - Insurance (Home/Alarm system monitoring) 200 - Gas 650- Other Credit Cards Not paid off with loan 200 ? IRS (monthly payment, just got installment loan paperwork in mail) 200 - Groceries 50 ? Recreation(Gym Membership) 100 ? Internet/Cable -------------- $3055.00 - total monthly expenditures As you can see, I have over $1445.00 left over to be used, not only for my Prosper Payment, but for savings for a house 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 m |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 119139 | Debt Consolidation | D | $4,000 @ 6% | Apr 04, 2007 | Expired |
| 157329 | Debt Consolidation | D | $15,000 @ 22% | Jun 24, 2007 | Withdrawn |
| 159460 | Debt Consolidation | D | $10,000 @ 22% | Jun 27, 2007 | Withdrawn |
| 161566 | Debt Consolidation | D | $6,500 @ 22% | Jul 02, 2007 | Withdrawn |
| 163996 | Debt Consolidation | D | $8,000 @ 21% | Jul 06, 2007 | Withdrawn |
| 164809 | Debt Consolidation | D | $5,500 @ 21% | Jul 07, 2007 | Withdrawn |
| 165273 | Debt Consolidation | D | $10,822 @ 23% | Jul 08, 2007 | Withdrawn |
| 170028 | Pay off PayDay Loans | D | $6,281 @ 23% | Jul 16, 2007 | Withdrawn |
| 297038 | Pay off Revolving Credit Cards | HR | $3,500 @ 22% | Mar 24, 2008 | Withdrawn |
| 309027 | Pay off Revolving Credit Cards | E | $3,000 @ 22% | Apr 14, 2008 | Withdrawn |
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