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Help Surprise My Mom

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Listing Information
Amount: $10,000.00 Status: Loan created
Grade: C DTI: 6%
Lender Rate: 14% Borrower: Wouldlovehelp
Time Left: Finished State: FL
Funded: 100% Group: (No Group)
Loan Information
Loan Status: Current Origination Date: 2007-10-25 EricsCC ROI: 11%
Status History
Oct 30, 2007 Current
Nov 09, 2008 Late
Nov 15, 2008 Current
Purpose of loan:
I am the oldest of five kids.Therefore a lot of responsiblity falls on me.  I support both myself and my mother. A few years ago I purchased a townhome and car for my mom. Since then all bills and utlitlies are now split amonst all five kids. My mom has never asked for anything and is embarrassed that we have to support her. She has not had anything really nice or of any value since her divorce from my dad. She gets so upset when holidays come around because everyone prefers to stay at my fathers due to the fact that his home is just bigger. She has always wanted a really nice kitchen as she loves to cook. I would like this loan to redo my moms kitchen and also add some upgrades to her home. It would be a suprise as she will be spending sometime in New jersey with her sister. She has given so much to us that I would love to do something special for her.

My financial situation:
On my credit report is shows and A for payment to creditors on time. I only have one credit card with a very low balance on it. I have no car payment as I have a company car. My cost of living is very minimal. I went through a divoce 2 years ago. The divorce nearly depleated my savings account. I had to cover all expenses that are involved with a divorce and relocated to another state. I have since got my life back in order. I have a great job and have been with the company for 3 years now. I am very honest and reliable.

Monthly net income: $ 4,000.00

Monthly expenses: $
  Housing: $ 450.00
  Insurance: $ 0.00-company car
  Car expenses: $ 0.00-company car
  Utilities: $ 0.00-included in rent
  Phone, cable, internet: $ 0.00- company pays for cell and internet
  Food, entertainment: $ 700.00
  Clothing, household expenses $ 400.00
  Credit cards and other loans: $ 100.00
  Other expenses: $ 250.00- my half of mom
Borrower's Other Listings
385329 Final Touches for Moms Home Improvement B $2,500 @ 12% Aug 19, 2008 Cancelled

 

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