Eric's Credit Community

I would like to take a loan to pay off high interest credit cards and outstanding debt.
My credit cards and debts did total 8350.00. This is why I started Prosper asking for a Loan of 8500.00. With a  Holiday bonus (see my member page for copy) I was able to reduce my request to $7700.00 I used the $850.00 to pay some of my bills.  So I am trying with a higher rate.This loan will allow me to pay all debt .
As a single mom I tried to compensate my son with material things to make up for his father being gone. I realize that was wrong and my son didn?t need material things.
Now his father is back in his life and my son is leaving for college on January 11^th funded by his father I very am grateful this is one less worry. (All funds are in a account owned my by son only).
My son also had a problem when his father walked out of his life abruptly about 4 years ago. This had to do with a personal issue my son had with his father that has been since been resolved. My son became a Cutter. I took him to 2 doctors one a Physiatrist and the other a Therapist. He saw both for 2 ½ years. In the beginning sometimes as many as 4 days a week Insurance only covered so much. I used my Credit cards for what insurance didn?t pay. He is well now and has worked though this with his father. But I did what I had to do. This is where the DQ?s come in they were lab bills pre auth vs. not. Through all this I paid my bills on time sometimes only minimum payments but always paid on time. I really regret the DQ?s I should have paid more attention and not waited for the insurance company. These 4 bills have hurt me.
My Bankruptcy was due to my divorce a very nasty one.
I make 61,800 a year with an increase due 1^st quarter of 2007 and have been with the company for 9 years. Until my divorce I was a stay at home mom.
I also contribute 6% of my pay into a 401k matched 50% by my employer 9% of my pay goes in a 401k account.
I hope you can look past my mistake and see the positive. I have paid all my credit cards and bills (except the lab bills) on time since reestablishing my credit.
Income and Budget: I have listed my debt on my member page not enough room to list here.$61,800 gross after taxes and 401k $3302.00 monthly net. (I do not pay health insurance premium my company pays 100% )
762.00 A WEEK (NET) I also have 64.95 a week that is paying off a 401k loan that will be complete in April. So my net will increase by 281.45 a month at that time. (This figure is not included in my net pay).
711 RENT
530 CAR PAYMENT 7 LEFT
175 BOTH PHONES I will pay for my sons? phone while he is in school.
205 INSURANCE (CAR)
130 CABLE AND INTERNET
80. ELECTRIC (ALL ELECTRIC APT)
350. APPOXIMATE PROSPER LOAN PAYMENT
250. GAS (I Work 48 miles from my home.)
400 Food and Sundries for one.
2831.00 TOTAL:

$471.00 after bills until April th