Ohhh! Now I get it!
| Listing Information | |||
|---|---|---|---|
| Amount: | $6,300.00 | Status: | Loan created |
| Grade: | E | DTI: | 17% |
| Lender Rate: | 25% | Borrower: | ms_corningstone |
| Finished | State: | MO | |
| Funded: | 100% | Group: | FUTURE FINANCIAL FREEDOM |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 1 month late | Origination Date: | 2007-02-14 | EricsCC ROI: | -0% |
| Status History | |
|---|---|
| Feb 15, 2007 | Current |
| Apr 29, 2007 | Late |
| May 04, 2007 | Current |
| Oct 30, 2008 | Late |
| Nov 15, 2008 | 1 month late |
|
Hi! At the advice of some members, I am relisting AGAIN and being more business minded. I am a professional, divorced mom of an amazing 10 year old. I have had a very successful career in media sales and began a new job about six months ago in sports marketing. I currently lead the company in new business sales and am on pace to earn about $89,000 this year. I have had a few credit blips in the past....no more than late payments...mostly around the time of my divorce and when I moved. I have spent the past 5 years working to improve my credit and have...until 2006. This year I was hospitalized twice for a heart problem that was a result of a prescribed medication. I had health insurance but have had issue with insurance company paying the second round of bills....which total about $7000. Add that to the $3000 I am responsible for on the first hospitalization and it is overwhelming. Also, I was sued by creditors of my ex-husband's. Though our divorce states that these debts are his, the lenders cannot take this civil agreement into account and they sued me, simply, because I showed up and was an easier target. I have to sue him for violating the agreement and he must take responsibility....he has the means to pay. I switched jobs in 2006 after my company restructured it's salesforce when they incurred some setbacks. I was moved from a $72,000 salary + bonus to 100% commission. I left soon after and though it was a great decision, it haas taken some time to get ramped up in my new position. My savings disappeared with the hospital bills, judgement and two month drop in income. I managed to stay ahead of most everything and have paid on the judgement and hospital bills but with the interest rates and fees...they have barely made a dent. I need this loan to pay the following: Attorney fees: $2500 (to sue my ex for the judgement, modify child support which is about 1/3 of what I am entiltiled. Will also work with insurance company on hospital bills) Mortgage: $850 (running about 10 days late since October. This will put me ahead again) Deliquent Hospital Bills: $2200 Deliquent Utilities: $750 (ex-husband had connected in my name) My monthly bills are as follows: Mortgage and Insurance: $1200 Car & Insurance: $510 Utilities: $200 Cell Phone: $200 Internet & Cable: $80 Credit Cards $30 (less than $300 on these) TOTAL BILLS: $2220 My income is as follows: Monthly salary NET: $3020 Expenses & Mileage: $750 (includes cell phone, internet & mileage) Child Support: $380 (will be increasing to $988) TOTAL INCOME: $4150 My income will increase in March of 07 when my commission begins to be paid with the start of baseball season. Currently, I have billing that will increase my income by about $1000 per month. I would refinance my home to pay these bills....but with the judgement and less than 6 months on my job, it is difficult to secure a loan and the rate would be astronomical. I am trying to be smart and I do not want to mortgage my future! Thank you for your consideration. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 91507 | Here's to a great 2007! | E | $7,000 @ 25% | Jan 31, 2007 | Withdrawn |
| 91724 | Here's to a great 2007! | E | $5,600 @ 25% | Feb 01, 2007 | Withdrawn |
| 91733 | Rewritten! I needed to provide more info! | E | $5,400 @ 25% | Feb 01, 2007 | Withdrawn |
| 228587 | Doing well... | E | $2,100 @ 25% | Nov 08, 2007 | Withdrawn |
| 230945 | Relisted with more facts & higher Interest! | E | $2,100 @ 26% | Nov 13, 2007 | Expired |
| 262894 | Relisted with more facts & higher Interest! | E | $2,400 @ 35% | Jan 10, 2008 | Loan created |
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