Eric's Credit Community

I'm an honest, hard-working person that has had a string of bad luck.  My credit is at an HR right now because I started being independent at age17.  I relied too much on credit and have grown up durastically since then.  I've paid off all that debt and now 7 years later, at age 24, I'm an assistant manager of a supermarket chain.  I was running short the last month because of a payroll confusion backstage, and didn't get a couple of weeks of pay.  I'm getting it now but still waiting for that back-pay.  Since, this happened, I made the mistake of taking out some short term loans and now the interest rates and weekly deductions are not helping me. I'm part of another group, but feel that this group can help me a lot more.  I just need a chance to prove that I can make timely payments.  My DTI is low, so paying back the money borrowed is no problem at all.  Just need some help getting over this mistake.

My monthly pay is 3000 dollars after taxes.
Bills are as follows.
Rent: $775
Utilities (including cable, internet, phone, electricity): $200
Which leaves $2025 dollars for food and misc. expenses.

The only thing is I have payday loans out which add up to $2000.  Every week it's not paid, it's $400 in fees alone.  I need to pay this off A.S.A.P. in order for my life to get back into order. 

After the short term loans are paid off, which will be immediately if approved for the loan, I will have have over $1500 left over to pay off the loan I receive through prosper. 

Thank you for your consideration.