Eric's Credit Community

I am 36 years old single Father and I have 1 daughter who is 15 years old. I work for a manufacturing company and have been there for 3 years. I would get a second job, but right now I am working 12hr. days and my daughter needs me at home during the night.  

About 5 years ago I was injured while working for a roofing company. I fell through a roof and was seriously injured. My employer did not have any Workman?s Comp insurance to cover this and refused to pay out of pocket. I took him to court and the judge found in his favor he stated all employees were sub contracted even though pay check came directly from his company with taxes taken out. I had $35,000 plus in medical expenses from this the agreement the hospital offered would have taken over 50% of my paycheck a week.
 
  I do not understand the HR should be E Equifax 562 Experian 568 

 It list 9 DLQ's on my Prosper listing, but I can only find 5 that are not paid in full and that includes 1 that was included in my bankruptcy. 

  The credit inquiries are from purchasing my car. I did not realize that I would get so many hits from applying at different dealerships.
 
 WHAT I WILL DO WITH THE MONEY LOANED TO ME:  $981 will go to pay off credit cards and $500 will go to pay off Pay Day Loan. The remainder of the loan $1,019 will go to pay off my portion of recent medical bills on my credit that I am not disputing. That will lower my monthly payment commitments on credit cards and loans to $345 from $615 and will leave me sufficient to pay back my Prosper loan. 

 HERE ARE MY MONTHLY FINANCIAL DETAILS: 
 Before Prosper Loan:Net income after payroll deductions from all sources: $ 2,300Total monthly
family Income $ 2,300
Rent $650
 Electric $150
 Entertainment $35
Car $345 (never late)
 Insurance $169
Credit cards $90 ? balance on cards $981 21.9% - 24.99% interest rates (never late)
1 Payday loan $180 a month interest only balance $500 ($90 every 2 weeks) 
Food and household items $400
Gas car $250
-----------------------
Total Monthly Expenses: $ 2,269
$31 leftover a month 

 After Prosper Loan: Net income after payroll deductions from all sources: $ 2,300 
Rent: $650
Electric: $150
Entertainment $35 
Car $345 (never late) 
 Insurance $169 
 Food and household items $400
 Gas car $250
Total Monthly Expenses after Prosper Loan: $ 1.999 
 I will have $301 left to make the payments on my Prosper loan.  

I will make my Prosper loan payment and put $100 into savings for emergencies.

Thank-you so much for giving me this chance
.John