Hi, Thanks for reading my bio. I live in Ohio and the state has a cap on the interests rate of 7,75%, I would pay more if I could.
I am semi retired and have a part time job as a painter which gives me $800 dollars a month along with my regular social security check of $1,500 dollars each month. If given the opportunity I will pay the loan from Utopia faithfully each month from the money I get from painting.
My credit rating is c/
I need $2,000 dollars to pay off some medical bills from when my daughter was in the hospital. she has insurance from her work but it didn;t cover a portion of the hospital and doctor bills. she is unable to work for some time.
also my youngest daughter recently got married. it wasn't a big wedding just expensive. I still have a couple of outstanding bills which needs to be paid.
I have a 1995 car which the air conditioner needs to be fixed so e don't burn up all summer.
Regarding the marks on my credit report I got in over my head when I owned a home. I had taken a second mortage along with my first mortage and it was more than I could pay. We had 2 cars then and credit card bills along witht the regular bills. thats why i got so far behing in my bills. We lost our home and car and it was a very hard time for our family. I learned my lesson and am doing everything I can to turn my credit around. I am making a honest and sincere effort to do this.
We got the tax liens when my wife works at the nursing home and her employer didn't take out much in taxes on her pay. it added up and thats why we got the liens. I recently paid off 3 tax liens and am paying off a old bill/
I really hope you understand about my past mistakes and realize i am doing my best to rectify these problems.  you can e mail me if you have any questions/
thank you.
coyotebob

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