INCOMING MEDICAL BILLS END AUG. 2008 - Consolidate - RELIST
| Listing Information | |||
|---|---|---|---|
| Amount: | $7,500.00 | Status: | Withdrawn |
| Grade: | C | DTI: | 31% |
| Lender Rate: | 35% | Borrower: | paigepuff |
| Finished | State: | MO | |
| Funded: | 13% | Group: | (No Group) |
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Purpose of loan: This loan will be used to consolidate debt created due to large # of medical bills generated in 2007/2008 and get me over the final "hump". My balance is currently around 100k however I had it down to less than 50% of that total this year - but have had to go through several additional female medical procedures in 2008 (non-life threatening). The END of the generation of these bills and my final procedure is in August 2008 - thus I can finally get back to the great feeling of getting back on track to getting out of debt. I have a detailed 3 year budget (which I hope to beat) to be completely debt free and back on the straight green path. My financial situation: I am a good candidate for this loan because I am honest and have integrity. I have always paid all of my bills on time and there has never been a time when I have not fully repaid a debt. My credit score will be on its way back up where it belongs beginning in September when the medical procedures are finally over. I have an excellent job in an excellent industry where my skills are highly desirable. I am well thought of in my field. I am a technical Project Manager. I receive constant job offers but am very happy to stay in the very successful organization (that recently sent the DOW up for the day) where I am employed. I was a contractor then FTE for the last 6 years. When I became an employee 1 1/2 years ago my net pay decreased almost in half - which was an adjustment. (Paid overtime and very high hourly rate so was making close to 200k). However I still make well over 100k and my long-term prospects are great. My health in no way impairs my ability to continue my job. I love to work and I love my job and the technology field. Monthly net income: $ 7,200 monthly beginning on 8/08. Previous monthly net income was $6,300. Increasing net income due to changes in W-4 withholding as this year I will be able to write off the 2008 medical expenses. I am also very much on target for additional $18,000 bonus in 2008. Monthly expenses: $ Housing: $ 1229 Insurance: $ 0 Car expenses: $ 800 Utilities: $ 0 (husband pays) Phone, cable, internet: $ 90 Food, entertainment: $ 200 Clothing, household expenses $ 100 Credit cards and other loans: $2400 Other expenses: $ My balances on my credit cards range from $5k - 28k. I am almost maxed out due to the continuous onslaught brought on by the medical bills. %?s range from several 0% to a couple higher that will be my first focus ? post August. Regarding my 55 credit lines: I am now investigating and will close the majority of these that are not already closed. Largely are one those one time savings of 20% if you open credit card today at Macy?s, Sears, etc. Not used at all beyond that original purpose. I would be happy to answer any other questions anyone has. Thank you! |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 372729 | Paying off Credit Cards from 2008 medical bills | C | $7,500 @ 35% | Jul 25, 2008 | Withdrawn |
| 377544 | Med. Bills/Debt Cons.? Relist #2 ? your return is assured! | C | $7,500 @ 25% | Aug 04, 2008 | Loan created |
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