Pay off Advance Loans
| Listing Information | |||
|---|---|---|---|
| Amount: | $4,300.00 | Status: | Loan created |
| Grade: | E | DTI: | 49% |
| Lender Rate: | 25% | Borrower: | smlltwngrl74 |
| Finished | State: | IL | |
| Funded: | 100% | Group: | Psalms 1:1-3 |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Late | Origination Date: | 2007-09-05 | EricsCC ROI: | 19% |
| Status History | |
|---|---|
| Sep 01, 2007 | Current |
| Dec 21, 2007 | Late |
| Jan 01, 2008 | Current |
| Nov 20, 2008 | Late |
|
Purpose of loan: To pay off one personal loan and all of our advance loans. Personal loan Payoff $ 500 money saved $ 87.00 month Advance loan #1 Payoff $1000 money saved $200.00 mo. Advance loan #2 Payoff $1000 money saved $200.00 mo. Advance loan #3 Payoff $ 500 money saved $ 88.00 mo. Advance loan # 4 Payoff $ 500 money saved $180.00 mo. Advance loan #5 Payoff $ 400 money saved $ 85.00 mo. Advance loan #6 Payoff $ 400 money saved $160.00 mo. My Financial Situation: I work full time for a bank and my husband works full time at a printing company. I am also currently looking for part time employment to help dig us out of the mess we have put ourselves in. I am confused by the delinquent amount on our credit of $1,924.00 I will admit that we are behind on three of our loans by a few weeks, however, that only totals around $700.00. My husband did have some credit fraud though. We received a call from a collection agency about a Direct TV bill in the amount of $1200.00 from an address in Pennsylvania. The problem with that is we live in Illinois and we have never even been to Pennsylvania. We reported this as fraud and they are supposed to be sending us packets on how to proceed and letters to send to the credit bureaus to remove this from our credit, I guess this could be included in that amount? Our Budget is as follows: House $200.00 (we purchased 20 acres w/mobile home from family so we got quite a deal which is why this is so low.) Car $218.00 Truck $194.00 Loan $250.11 Loan to setup well water and septic. Utilities $60.00 Phone, Cell, and Internet $120.00 TV $40.00 Insurance Home $50 Car $140 and Life $44.75 Gas for vehicles $100.00 Food $100.00 This totals $1496.86 and if we received the loan from prosper add in that payment of $180.00 and the total is $1676.86. We could afford that on our net income of $2900.00, however add in the loans from above and you can see why we are stretched to the limit and behind on a few payments. We know how we got into this financial mess and we KNOW how not to get back into this mess once we can dig ourselves out. We need your help to get back on track and clean up our credit. If we could turn back time and make different choices we would, since that is not an option we just want to focus on our future and work towards the goal of being debt free one day. Are paychecks are both direct deposit and we are opting for the ach payment to assure you in one more way that you WILL get your money back!! |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 178136 | Pay off bills | E | $9,000 @ 29% | Jul 29, 2007 | Expired |
| 182300 | Pay off bills | E | $4,000 @ 29% | Aug 06, 2007 | Expired |
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