Eric's Credit Community

Purpose of loan:
This loan will be used to consolidate some high interest bills that I continue to pay but do not seem to go anywhere. In addition, just last month we filed for emergency custody of my husband's three children and received sole custody. The lawyer fees and medical fees that we had to put out took all revolving credit up to the limit. After the 1st listing it was realized that another 5K would allow us to consolidate even further as these revolving accounts can be killers. We want to close out many of these revolving accounts and keep one major credit card, which has a rate of 10.9 and will give us enough credit for any emergencies. The lawyer has agreed to take a reasonable flat fee to settle the case next month and the remainder of the loan (a good portion of it) will be used to close out and consolidate the revolving accounts so they can be paid off within the next 3 years and lower my monthly payments.
We are more than willing to answer any questions that you may ask.

My financial situation:
I am a good candidate for this loan because I pay bills on time and take credit seriously. My husband is a volunteer fire firefighter and a construction worker. He has applied and is waiting to become a full time firefighter, which will double or triple his income. I have been in the computer field for over 20 years and work for a highly recognized organization. I have 1 more class to complete by Master degree. While I have only been with this company for a little over a year, my past employment was two 8yr back to back jobs. The last employer was left because we were a financial organization that was being sold and they were downsizing at a rapid rate.  All in all, our income is steady and stable and is foreseen to hold true in the future.

Monthly net income: $ 5700 (+husband's income $1200 +pending child support to be paid)
and
Monthly expenses: $ 4860 (adjusted on high end - see notes below)  
Housing: $ 1700 (taxes and insurance incl) 
Insurance: $ 110 (auto - paid every 6 months) 
Car expenses: $ 100 
Utilities: $ 250 (set amount - budget plan) 
Phone, cable, internet: $ 150  
Food, entertainment: $ 300 (high est - adjusted w/3 additional family members - norm ~150) 
Clothing, household expenses $ 150 (high est - adjusted w/3 additional family members - norm ~75)   
Credit cards and other loans: $ 2000
Other expenses: $ 100

Your consideration in this matter will be greatly appreciated.  Thank you!