Paying off some bills! Including my EYE SURGERY

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Listing Information
Amount: $7,500.00 Status: Loan created
Grade: B DTI: 5%
Lender Rate: 17% Borrower: surge855
Time Left: Finished State: FL
Funded: 100% Group: (No Group)
Loan Information
Loan Status: Current Origination Date: 2008-09-22 EricsCC ROI: 16%
Status History
Sep 20, 2008 Current
Purpose of loan:
This loan will be used to pay off several credit cards and hopefully reduce my monthly payments and interest rates, Once I get those paid off then I can start makingsome head way on the larger balance cards I owe on.

My financial situation:
I am a good candidate for this loan because I pay all my bills on time no matter how challenging ti can be. Consolidating some of my bills will help me get some of them paid off. My wife is not currently working so this does cause a little belt tightening. I am currently applying for second job to help pay off some of this excess debt that I cannot seem to get out from under. i do whatever it takes to keep my bills paid as close to on time as possible, but never 30 days late.

Monthly net income: $ $4,000

Monthly expenses: $
  Housing: $ 809
  Insurance: $ 100
  Car expenses: $ 464
  Utilities: $ 200
  Phone, cable, internet: $ 100
  Food, entertainment: $ 300
  Clothing, household expenses $ 50
  Credit cards and other loans: $ 1500 approx
  Other expenses: $
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