Getting Back on Track After Injury - Relist
| Listing Information | |||
|---|---|---|---|
| Amount: | $5,000.00 | Status: | Expired |
| Grade: | D | DTI: | 45% |
| Lender Rate: | 35% | Borrower: | ByteJockey |
| Finished | State: | IL | |
| Funded: | 0% | Group: | BORROWERS - Free instant Listings - LARGEST GROUP |
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I am relisting for a lesser amount. I have worked out a new payment plan with one of my delinquent accounts, which reduces my delinquent amount to approx $950. My DTI will also drop around 8% with this loan. My one late prosper payment was due too my payday being 4 days after my due date! Purpose of Loan: Get back on track after neck injury My financial situation: When it rains, it pours!!! After getting everything caught up and settled before my last prosper loan, everything fell apart when I got hurt. I just spent 12 weeks recovering from 3 herniated discs in my neck, which forced me to give up my second job! Now I'm back at work and trying to catch up. Before My last loan I had worked out repayment schedules with my creditors to bring everything current and pay them off. All of the plans were contingent on me not missing any payments. Since I had to give up my second job while I recovered from my herniated disks in my neck, my income was reduced while I was sick by $1000 a month. Now I?m behind in 2 of the loans I worked out payment plans for and I need to catch them up!! The Americash and Cashcall loans were to keep things from getting worse and I would like to make them go away!!! What I plan to do with this loan is catch up my last delinquent loans, payoff Cashcall, and Americash. This will free up more than enough to pay the prosper loan and better balance my budget. My monthly budget: Net Monthly Income: $5000.00 Current budget: Mortgage: $635.00 Home Equity: $235.00 Utilities/etc: $600.00 (includes electric, gas, water, phone, trash and garbage) Insurance: $150.00 Food/trans/etc: $800.00 Secured Loan: $500.00 [payoff in March 2008] Car: $385.00 HFC: $250.00 [Delinquent $1100.] Chase Visa: $175.00 [12.0%] Chase MasterCard: $105.00 [29.9% delinquent $950] Circuit City: $90.00 [30.9%] Capital One MasterCard: $25.00 Prosper Loan: $327.00 CashCall Loan: $216.00 [balance $2000] Americash Loan: $239.00 [balance $1800] Hospital bill: $175 ----------------------------------------------------------------------------------- Total monthly expenses: $4897.00 Here is the budget I will have with the new prosper loan: Mortgage: $635.00 Home Equity: $235.00 Utilities/etc: $600.00 Insurance: $150.00 Food/trans/etc: $800.00 Secured Loan: $500.00 Car: $385.000 HFC: $250.00 Capital One MasterCard: $25.00 Chase Visa: $175.00 Chase MasterCard: $105.00 Hospital $175 Current Prosper Loan $327.00 New Prosper Loan $250.00 (could be less, depending on final interest rate) ----------------------------------------------------------------------------------- Total monthly expenses: $4442.00 The current mortgage and Home equity loan on my house combined have a balance of $121,000 and the house appraised in 2006 at $139,000. We have 2 vehicles, valued at about $6,000. The secured loan will be paid off in March of 2008, freeing up an additional $500.00. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 124687 | Consolidating the cards | D | $25,000 @ 22% | Apr 17, 2007 | Withdrawn |
| 124846 | COnsolidate the unsecured debt | D | $25,000 @ 22% | Apr 17, 2007 | Withdrawn |
| 126160 | Consolidate and payoff debts | D | $25,000 @ 25% | Apr 20, 2007 | Expired |
| 127801 | Consolidate and Payoff Debts | D | $25,000 @ 29% | Apr 24, 2007 | Expired |
| 132936 | Relist: Consolidate, payoff and bring current | D | $14,000 @ 24% | May 04, 2007 | Withdrawn |
| 136622 | relist: Consolidate and catch up | D | $14,000 @ 25% | May 12, 2007 | Expired |
| 142112 | Consolidate CC - All DQs Resolved, DTI 34% | D | $15,000 @ 29% | May 23, 2007 | Withdrawn |
| 145271 | Paying off loan from parents | D | $8,500 @ 22% | May 31, 2007 | Loan created |
| 257244 | Getting Back on Track After Injury | D | $10,200 @ 30% | Dec 28, 2007 | Withdrawn |
| 258449 | Getting Back on Track After Injury | D | $5,000 @ 35% | Jan 01, 2008 | Withdrawn |
| 260235 | Getting Back on Track After Injury | D | $7,500 @ 35% | Jan 04, 2008 | Expired |
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