Medical Bill--pay off

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Listing Information
Amount: $1,500.00 Status: Loan created
Grade: HR DTI: 14%
Lender Rate: 20% Borrower: nurseddj
Time Left: Finished State: WA
Funded: 100% Group: Everyday People
Loan Information
Loan Status: 4+ months late Origination Date: 2006-12-19 EricsCC ROI: -67%
Status History
Dec 19, 2006 Current
Sep 03, 2007 Late
Sep 18, 2007 Current
Oct 04, 2007 Late
Oct 20, 2007 1 month late
Nov 07, 2007 Current
Jan 03, 2008 Late
Jan 16, 2008 Current
Apr 03, 2008 Late
Apr 20, 2008 1 month late
May 24, 2008 2 months late
Jun 20, 2008 3 months late
Jul 20, 2008 4+ months late
I am 36 years old & have been married for 14 years. I have been an RN for 2.5 years. Prior to that, I worked as a bank manager for 12 years.

Impeccable credit prior to 2002 when my husband was diagnosed with Hep. C and liver failure. He underwent treatments. (Oral meds & shots to the stomach every 3 days). Unfortunately, treatments did not work. He cannot work due to fatigue, inability to concentrate, etc. Prior to this, he owned his own roofing contractor business and averaged $4500 per month take home after paying expenses and employees. At the time of diagnosis, I had left the bank to pursue nursing school and only worked weekends at the hospital.

Faced with no other option, we filed Chapter 7 in Oct. 2003.

Fast Forward to 2006
My husband just received his approval for SSI in July. They didn't start paying for his medications until 9/06. We had some pretty costly medications (our share $600/mo) and we didn't have the excess each month to cover them out of pocket, so unfortunately, I went the credit card angle. I have made payments each month and avoided being late on my accounts. I am overlimit on my cards, but have been working to place any extra toward those balances. I also received a notice of a medical bill (from before SSI) that has gone to collection.

Debts Owed
Collection            1448
Applied Card        797
Cap One              442
Chase                 467
1st Premier          331
HSBC                  629
Merrick                704

After Prosper:

Mtg                    1200
Cars                    881
CCards                250
Prosper                 50
Util & phone         300
Food                    300
Gas                     300
Student Lns           92
Comp/Int               68
Ins.                      175
Medicare               86
Misc.                   150
Totals                $3852

Income is $29 per hour with regular OT & I get paid every 2 weeks. From my gross pay, I pay for medical & dental ins. and contribute to my 401k. I also have short term disability insurance and earn PTO. My average take home is $2k/check, so $4k/month. Spouse also has SSI of $725/mo. His medications &a
Borrower's Other Listings
48555 Medical expenses HR $3,000 @ 24% Oct 15, 2006 Withdrawn
50025 A little consolidation & a little fun! HR $2,800 @ 23% Oct 18, 2006 Expired
53495 RELIST!!--Ongoing medical bills HR $2,150 @ 23% Oct 26, 2006 Withdrawn
55458 Credit explanation--Paying off debts--Please help! HR $3,350 @ 23% Oct 31, 2006 Withdrawn
57947 Credit History Explanation--Not truly a HR--Please help! HR $3,400 @ 24% Nov 06, 2006 Withdrawn
59249 Low $ request, max. interest, 10 day list, Consolidate HR $1,200 @ 24% Nov 09, 2006 Withdrawn
59338 Low $ request, 10 day list, Revised from good advice! HR $1,225 @ 24% Nov 09, 2006 Withdrawn
59829 A rung on the ladder of financial peace! HR $1,002 @ 20% Nov 10, 2006 Withdrawn
60536 Relist--Improve credit and FICO scores HR $1,000 @ 22% Nov 12, 2006 Withdrawn
61090 Fully vetted; Paying off medical & consolidating HR $2,500 @ 24% Nov 13, 2006 Expired
66838 Vetted; Pay off medical & consolidate HR $2,499 @ 24% Nov 27, 2006 Expired

 

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