RN/JD Consolidating Debt - 0 LATES - ACTUAL DTI 35% - Relist
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|Loan Status:||Default||Origination Date:||2007-08-09||EricsCC ROI:||87%|
|Aug 10, 2007||Current|
|Sep 24, 2008||Late|
|Oct 07, 2008||Current|
|Mar 24, 2009||Late|
|Apr 10, 2009||1 month late|
|May 12, 2009||2 months late|
|Jun 11, 2009||3 months late|
|Jul 12, 2009||Default|
NET DISCRETIONARY INCOME = $1603 Per Month + Extra ShiftsI am a Prosper lender and seek to consolidate debt. I have been involved in the health-care profession for about a decade as a Respiratory Care Practitioner and a Registered Nurse. I work as a travel nurse and specialize in the critical care arena - ER and ICU. Recently, I graduated from law school with a Juris Doctor degree; this was not an inexpensive endeavor and provides largely the explanation of my current debt load. So far this year, I have grossed over $50,000 in wages. My employers SOS Nurses Service Corp. (9 mos.) click here, Star Nursing (3 yrs.), and Pro-tem Personnel (8 yrs.) have good contracts with hospitals and I am never at a loss for work. Generally, I work three+ 12-hour shifts per week, so I can easily increase my earnings by picking up an extra day or two per week. As I look toward my family's future, I desire to have ALL of my debt paid within the next 5 (five) years. My creditors are charging as high as 32% (thirty-two percent), so I am seeking to pay a more reasonable rate of interest and place about 1/2 (one-half) of my debt on a fixed 3 (three) year repayment plan. My DTI was 35% prior to submitting this listing. This loan replaces existing debt so my DTI will remain approx. 35% and will NOT increase to 48%.
My income source as an RN is secure. As a backup plan, I can readily transition into the legal profession since I successfully completed my law degree. My "C" credit rating would likely be a "B" but for the fact that the mortgage on my home is held by the Seller (a private-party) and not reported on any credit report; it is due to be paid off in 4 (four) years.
Monthly Net Income: $ 6337 (includes $500 in rent) - Monthly expenses: $ 4734 (including all bills)
There is not enough room to post all expenses, simply email me and I will be happy to forward the break down.
|Borrower's Other Listings|
|169246||RN Consolidating Credit Debt/Educational Debt||C||$25,000 @ 23%||Jul 15, 2007||Expired|