Family Medical Bills

Purpose of loan:

My dad has kidney cancer and cannot afford to pay all of his medical bills and get his treatments. This loan help pay for his treatments for the next few months. He is self-employed and has not been able to stop working and insurance is not covering a lot of the costs.
My financial situation:
I believe I am a good candidate because I have a very secure job with a fortune 500 company and can afford to make the monthly payments.?I am eligible for a bonus at work at the end of the year, but it will not be paid out?until March. At that time, I will be able to pay-off the loan.

Monthly net income: $ 6,000

Monthly expenses: $
??Housing: $ 2,350
??Insurance: $ 200
??Car expenses: $ 350
??Utilities: $?100
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 400
??Credit cards and other loans: $?400
??Other expenses: $

Debt Consolidation / Home Improve

Purpose of loan:
This loan will be used to consolidate a couple credit card bills of higher interest and the rest will be used towards the remodeling of my kitchen.? I would like $2500 towards consolidating 3 credit cards, and $2000 towards renovations.? Thank You

My financial situation:
I am a good candidate for this loan because I am never late on payments and have a good credit history with a steady full time job.? With 3 different sources of income, this loan will be loyal to all payments and greatly appreciated.

Monthly net income: $ 4,000.00

Monthly expenses: $
??Housing: $ 1000, however I have 3 tenants which their payments cover the mortgage
??Insurance: $ 160
??Car expenses: $?270/mo
??Utilities: $?0 covered by tenants
??Phone, cable, internet: $ 70
??Food, entertainment: $ 100 -?150/wk
??Clothing, household expenses $ 100 / 2 wks
??Credit cards and other loans: $?290 - student loans, appx?$500 - 600?in credit card bills.? Currently have 9 credit bills open with?4 of them being?$400 or less to pay off.
??Other expenses: $

Excellent Borrower - 32.2%

Purpose of loan:

Am taking advantage of Prosper?s offer for a loan? I will use to lower?monthly payment?as I just retired and
my income has decreased. I want to better manage my finances with the next 18 months.
Am increasing interest from 22% to 32.2%.? Also helping friend in some distress.

Financial situation:
I am current in all my loans. Lower credit score is a result of banks reducing credit limit thus affecting my credit score.
Besides my yearly income of $48K, I am expecting another $29K retirement bonus within the next 2 years.
With Prosper loans, I have paid a $10K loan, and have current $3K loan with a balance of $ 1750

Monthly gross income: $ 4015??????????????Monthly?net income:$ 3671?????? Monthly expenses: $ 3324

Q: Hi there, could you explain the high revolving credit balance? Thanks and good luck with this loan. - green-rapid-openness

A: The accumulation of sending 2 sons to college, bail money, lawyer fees and fines for one of them, death of brother exprenses, helped a friend in need, helped my sisters in financial need and emergency expenses to fix apartment for inspecrtion. (Nov-22-2010)

Sick Roof

Purpose of loan:
This loan will be used to? Replace my roof.? It is 20+ years old with 2 layers and is now leaking with soft spots evident.? This
just happened due to a torrid rain and wind storm a few weeks ago.? We have lived here almost 14 years and have the inside
totally remodeled.? With a couple unemployed children due to the economy our reserves are limited and this expenditure was
not expected

My financial situation:
I am a good candidate for this loan because? My home is in great condition and well cared for.? Even with the downside of
the economy we maintain a good equity basis.? I am retired due to disability and receive a steady income from private insurance
and Social Security.? My wife is employed full time in the health care field with 30+ years continuous service. The home is in the
wife's name due to my disability.? I maintain ample life insurance to cover all obligations including the mortgage.

Thank you in advance for your consideration.

Paying off two credit cards

Purpose of loan:
I plan to use the loan to pay off two credit cards, an HSBC card and a Discover card.

My financial situation:
First, let me explain the D rating. A few years ago when the economy soured, most of the credit card companies cut my credit limits to the balances on my accounts. The result was 100% utilization of my credit cards which caused my credit score to drop. My income has remained consistent but because of the high utilization my credit score has suffered.? This also caused the credit card companies to raise my interest rates. I have a secure job, I pay my bills on time, and have no late payments on my credit. I previously had a loan with prosper and which was paid on time every month. I have a good salary and can afford to repay the loan. The current payment for the two cards I want to pay off is $225, the payment on this loan is only $23 more per month.

Monthly net income: $ 5,900

Monthly expenses: $
??Housing: $ 2,100
??Insurance: $ 41.00
??Car expenses: $ 500.00
??Utilities: $ 65.00 ( I have a fully paid for solar system which is why utilities are so cheap)
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 1,600 (includes current $225 payment being made on cards being paid off with this loan.
??Other expenses: $

Q: Hi there, could you explain the high revolving credit balance? Outrageous that CC companies would reduce your credit limit, cause your score to drop and use that to raise your interest! Best of luck with this loan. - green-rapid-openness

A: Hi, the high revolving balance is the result of several home improvement projects that I completed a few years ago. (New appliances, deck repairs, new HAVC) It also includes a car loan. At the time the interest rates were low. I never anticipated the rates going up as much as they did. (Nov-22-2010)

Q: What is the breakdown of payments on the $87,423 in revolving debt? Is the $5,900 income before or after taxes? - SmartConsolidation

A: The $5,900 is after taxes. Actually my records disagree with the amount of revolving debt listed. My records show $62,890. Here is what I'm actually paying on: HSBC $1,644.00 B of A $11,058.00 CitiCard1 $18,138.00 CitiCard2 $1,051.00 B of A Visa $2,297.00 Chevron $500.00 Dell $700.00 Chase 1 $4,182.00 Ford $19,000.00 Discover $4,320.00 I'll have to pull the credit report to see where the discrepancy is. (Nov-22-2010)

Q: Do you have an IRA, 401k, or 403b? If so, what?s a rough estimate of the value? Unlike a Pension fund, these have cash value and can be partially withdrawn. ONLY do this if behind on payments to save your credit. Penalties to cash in are STEEP! - SmartConsolidation

A: Thanks for the suggestion. I actually looked into this option but I have a defined benefit retirement and a 457 plan. I could only draw from the 457 if i separated from the company, so it's not an option. (Nov-22-2010)

The safest HR you'll find...Part V

Greetings!?

It's time to dip into the power of p2p lending and ask for your support to fund our 5th Prosper loan.? We funded our first Prosper loan back in 2006, so you might say we're one of the "dinosaurs".? We're very proud of the fact that we've never missed a payment for any of our loans and it's been a win-win for both our investors and our company.? As we've retired our debt, our credit score has gone down.? Conventinal wisdom might ask "If you have less debt, then why is it going down?"? Credit scores are a function of how much debt you maintain, and we believe in becoming debt free as quickly as possible.? We look forward to carrying this relationship with Prosper into the future, and?ask that you check?Prosper often for our loans.? Now let's get to work and make some money....together!!


Brownmoose.Com

Qiuckly paying down debt...

Purpose of loan:
This loan will be used to? pay off existing short term debt into one payment.

My financial situation:
I am a good candidate for this loan because?I am a banker and plan on paying this back in 6 months time.

Monthly net income: $ 5,666

Monthly expenses: $
??Housing: $ Mortgage payment is 541
??Insurance: $ 550/year
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Had Cancer Need Loan Pay OffCo-pay$

I took this ad down and listed again with a lower loan amount.? I wanted to make sure this funded and I realize the amount was a bit high for my current rating.? I am currently paying my other Proper loan on time for 9 payment so I am a good risk.? I believe even this amount put toward what I current owe will enable me to negotiate a?considerably lower monthly payment to the hospital which will help reduce my current monthly expenses dramatically.? My goal with my current position and future growth within the company is to be debt free in three years.? Thank you again for your consideration and thanks to all that bid on my previous listing.?

Purpose of loan:??

The purpose of this loan is to pay medical bill co-pay amount that was accrued during my cancer treatment.? I had Hodgkin?s disease.? FYI I am cured according to the Oncologist in case you are concerned that I might pass away and not pay this loan back.? 95% cure rate and very rare this will ever come back according to stastics. Thank God I am in remission now, but I have co-pays that total in the amount of $7000.? I am very blessed to have had great medical care at UCLA Medical center.? I am back to work now at Aramark as National Account Manager.? A great company to work for and my job is still very secure in this ?current economic climate.? I thank Jesus for this job and I am very thankful and appreciative.? Please consider investing in a person who has now survived a great battle with this horrible disease and I thank you very much for your time and consideration.? ? I have stated my income below and as you can see I can afford the loan payment and pay my bills on time.? The only reason my credit score went down a few points is the fact that I had a couple of the medical bills go past 30 days, but I have since made arraignments.? If I can obtain this loan and consolidate all to one smaller payment that will allow me to be debt free in 3 years after this loan is paid off.? I have no credit cards.?

Monthly net income: $3194
Monthly expenses: $?2243
If I can obtain this loan this will reduce my total monthly expense to: $1315
Housing: $?550
Insurance $96??
Utilities: $100??
Phone, cable, internet: $ 161??
Food, entertainment: $ 400??
Clothing, household expenses $ 100??
Current Prosper payment $136?including this loan if secured $272
Medical bills, current payment total: $ 700

restless-dime has bid a total of $26.13 in winning bids.

"He is a hard working individual of great integrity. Please help my friend through his hardship. You will be greatly rewarded for your investment."

Putting in new windows and doors

Purpose of loan:
This loan will be used to install new windows and doors on my along with the roof that I am currently having replaced to increase the value of my house.

My financial situation:
I am a good candidate for this loan because I have can afford the loan payments with no problem and I also have very stable part-time job. My car note will be paid off in March 2011 ($285.00 per mo) and another loan November 2010 ($192.00).

Monthly net income: $ 2,400.00

Monthly expenses: $
??Housing: $ 761.35
??Insurance: $ 112.00
??Car expenses: $ 285.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 185.00
??Food, entertainment: $500.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 675.00
??Other expenses: $ 100.00

Q: What is the story behind the delinquency? Is that the public record? - trident8

A: I was going through a difficult financial time. The delinquency was a discharged bankruptcy on July 29, 2005. I never lost my house or automobiles. Since then I have re-established my credit and I am not ever going through that situation again. My creditors are paid on time. I just finished paying off Citifinancial this month and few of my other bills will be paid off next year. I have been on my job for 15 years and I have part-time job. I am more than capable of making the payments. (Nov-30-2010)

My personal loan for my business

Purpose of loan:
I will be using this loan to finance my car and make improvements to my day care to serve my clients better.

My financial situation:
I am a good candidate for this loan because I have no debt, stable income and predictable expenses. My credit profile shows a delinquency of $657, in reality, this is due to an invalid charge that is being disputed and has not yet been rescinded.
I do not mind a high interest rate as I am hoping to payback this loan mid 2011 with money that I am owed.

Monthly net income: $6,900

Monthly expenses: $3,055
??Housing: $1,650
??Insurance: $120
??Car expenses: $270
??Utilities: $65
??Phone, cable, internet: $100
??Food, entertainment: $600
??Clothing, household expenses $250
??Credit cards and other loans: $0
??Other expenses: $0

loaner-dude has bid a total of $3,000.00 in winning bids.

"This person manages my daughter's day care. She is reliable, loved by the children and appreciated by parents. Certainly she can use the upgrades but her business seems sound and secure."

Q: I bid last time too, why did you withdraw it? thanks. - Kash2010lu

A: I change my bank account. (Nov-29-2010)

Loan to repair my vehicle

This loan is to pay for installation of a new transmission for my car. I have a stable full time job and do not have a housing cost. This would make me perfectly able to repay this loan without any trouble. The vehicle is not old and paid off.

debt consolidation

Purpose of loan:
This loan will be used to pay the down payment for a manufactured home replacement.?

My financial situation:
I am a good candidate for this loan because I have stable income and a big potential to increase my income.? I am a good borrower.

Monthly net income: $ 600

Monthly expenses: $ 2500.00
??Housing: $ 780
??Insurance: $ 200
??Car expenses: $ 420
??Utilities: $?300
??Phone, cable, internet: $ 100
??Food, entertainment: $?300
??Clothing, household expenses $ 100
??Credit cards and other loans: $?300
??Other expenses: $