Eric's Credit Community

We are a family of 4, with two children ages 12 & 5.   I had surgery in June and was off of work until November 1.  During my leave from work, I was only receiving FMLA (which was 60% of my pay).  My wife is a homemaker and is trying to build a business at home.  Our utilities and credit cards were, and still are, adding up.  Only receiving 60% of my pay put us far behind on payments.  We currently have 3 credit cards (total balance due around $3000) and are behind on many utilities.  I am requesting this loan to get caught up on credit cards and to get current with the electric and gas.  With Christmas coming up, we need to put ourselves ahead so that we can provide gifts for our children.  Right now we are having to choose between bills and gifts. 

HERE ARE MY MONTHLY FINANCIAL DETAILS:
Net income after payroll deductions from all sources: $ 1516.00
Mortgage/Rent: $ 590.00
Phone: $50.00
Gas: $80.00
Electricity & Water: $ 80.00
Food: Currently receive foodstamps
Insurance: $ 130.00
Cable/Internet: $ 50.00 
Other: $ 100
Total Monthly Expenses : $1080.00
I will have $400 left to make the payments on my Prosper loan.

Our credit is very important to us.  We would like to rebuild it by securing a loan through Prosper and making payments each month on time.   We are searching for an individual or company to give us a chance to prove our credit worthiness.

Thank you.