NEWLY MINTED ATTORNEY SEEKS LOAN TO PAY OFF HIGH INTEREST CC
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|Loan Status:||Paid||Origination Date:||2006-06-27||EricsCC ROI:||15%|
|Jul 12, 2006||Current|
|Jul 21, 2006||Payoff in progress|
|Aug 30, 2006||Paid|
PASSED BAR EXAM IN CALIFORNIA 2006
I finished law school in December 2005. I took the Bar in Feb-06 (California). I passed the bar and I am now a licensed attorney in California. Furthermore -- attached is a picture of my diploma.
LAW SCHOOL DEBT - CONSUMER DEBT
I currently have large law school debt. Additionally, while I have several credit cards, the vast majority (>80%) of the cards are at 2-3.xx%. One card, however, is at 19% -- and the card simply won?t negotiate. I owe ~$6,100 on that card.
DEBT-INCOME RATIOS - IN POST LAW SCHOOL WORLD
I have no delinquencies. I've always paid my bills on time. My credit score is simply brought down by abnormal debt-to-income ratios which occur immediately after graduation and before the first job.
REPUTATION eBay and eMove
I have had an account on eBay for six years. I have a rating of 98.5% positive. My eBay ID is TKLEFF. See attached photo. eMove Reputation: I also maintain a part-time business as a mover at eMove. I suspect I will earn a few thousand dollars from moving this summer. See attached photo from reputation screen (4.9 out of 5).
I?m a BarBri grader as well. We are paid piecemeal. $3 per essay and $5 per performance test. I expect to earn at least $1,000 from this endeavor between 06-08-06 and 07-10-06. I believe I?ll be paid in the middle of July.
I went to the Berklee College of Music for undergrad [alumni relations: 617-747-2236]. I then went to Southwestern University School of Law. [Registrar: 213-738-6734.] My name is on the pass list for the February 2006 Bar Exam [See, http://members.calbar.ca.gov/exam/].
I already have a legal job (as a paid law clerk) in a government office (the LA district attorney?s office). My group leader is welcome to call and confirm. I will also provide a photograph of a recent paystub. I currently earn ~$40,000 per year from that job. I also earn ? best estimate ? an additional $5,000 per year from: a) eBay sales; b) grading exams; c) playing music in a cover band [drums]; d) moving on eMove (emove.com ? I run Mover?s Galore). I expect that to increase to $55,000 per year (at minimum) after I gain my first legal job. I then expect the income to grow as follows: 2007: ~$60,0002008: ~$70,0002009: ~$80,000
I?m a Quicken user. So I know the particulars of my financial situation. I track all of my expenses (see photos of receipts in envelopes).
Feel free to email me and ask questions. If you do email me, I will also provide a telephone no. at which you can call me. I?d be happy to answer whatever questions you have. --Craig.
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|15442||Recent Law School Grad wants to refinance high interest debt||D||$7,500 @ 11%||May 23, 2006||Withdrawn|
|15728||ATTORNEY - Just passed bar exam||D||$7,077 @ 11%||May 25, 2006||Expired|
|27597||NEWLY MINTED ATTORNEY seek loan for high interest creditcard||E||$11,793 @ 22%||Jul 30, 2006||Loan created|