Loan to expand law practice

Purpose of loan:
This loan will be used to expand my law practice.? I currently operate a small practice in Hialeah Florida from a small two-story office condo near Palmetto Hospital. I have an opportunity to expand into larger space in?a new building that is being built out in Doral Florida.? Part of the funds will be used to purchase a large, high speed copier. My practice focuses on foreclosure defense and bankruptcy.? In less than 24 months, revenues have grown from $0 to $30,000 per month and a staff of ten (including part time employees).? ?

My financial situation:
I am a good candidate for this loan because I have low debt and a steady client base.? Half of my firm's income comes from clients paying monthly fees.? We advertise each month, producing four to six new clients that are on monthly payment plans.? Additionally, bankruptcy is a growing part of the practice.? I also earn $1,000 to $2,000 per month as a tax preparer.? I have been licensed as an attorney since 2004 and as a CPA since 1998.

Paying on two important bills.

Purpose of loan:
This loan will be used to pay on two of my most important loans, my Home/Auto.????

My financial situation:
I am a good candidate for this loan because, I have been a Teacher/Coach going on my 12th year.?

Monthly net income: $ 3,800

Monthly expenses: $
??Housing: $ 791.14
??Insurance: $ 50.00
??Car expenses: $ 627.84
??Utilities: $ 100.00
??Phone, cable, internet: $ 94.00
??Food, entertainment: $ 160.00
??Clothing, household expenses $ 25.00
??Credit cards and other loans: $ 400.00
??Other expenses: $ 50.00

For a dental procedure

Purpose of loan:
I will be using this loan to pay for a dental procedure.
My financial situation:
I have been working for the same employer for 12 years now, business has been picking up there recently.? The delinquencies in my credit reflect a nasty divorce I went through a couple of years ago where I was forced to short sale on my home,? other then that my credit has been?well maintained?over the course of my life.? This is the third prosper loan I have applied for in the last 5 years, I?have never defaulted or made a late payment.

home improvement

Purpose of loan:
This loan will be used to?
remodel kitchen
My financial situation:
My wife had brain surgery in 2006.?? She can not work .? I promised her before the surgery that we will get the kitchen remodled.??I have listed this listing for the fourth time.? My family has helped me as much as they can.??If any one out there can help me get this loan, it wll be greatly appreciated.??Thanks.
onthly net income: $ 2800

Monthly expenses: $
??Housing: $ 750
??Insurance: $ 70
??Car expenses: $ 389
??Utilities: $ 185
??Phone, cable, internet: $ 0 (work for cable company)
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $
??Other expenses: $

Pay off Payday loans

Purpose of loan:
This loan will be used to?
Consolidate payday loans
My financial situation:
I am a good candidate for this loan because? I can make the monthly payment

Monthly net income: $ 2,800

Monthly expenses: $
??Housing: $ 1,500
??Insurance: $ 400 yearly
??Car expenses: $ none paid off
??Utilities: $ 60 monthly
??Phone, cable, internet: $ 129.00 monthly
??Food, entertainment: $ 50.00 every two weeks
??Clothing, household expenses $ 30 monthly
??Credit cards and other loans: $?200.00 every two weeks
??Other expenses: $

Q: hi, what are the terms of payday loans? Why did you use them? What will be done to avoid use in future? thanks! - shrewd-income

A: The terms were paying them in full on your next payday. If not you would roll them over and just pay the interest each time. One loan was 360.00 every two weeks with no paydown on the princfple I will definetely not use them in the future!! You can't keep them up. I used one payday loan for a emergency(car repair 1,200) But I WILL NOT EVER USE PAYDAY LOANS AGAIN! They sure can trap you Thank you (Aug-03-2010)

Back to (music) school

Purpose of loan:
I was a professional musician in my twenties.
Backed up alot of celebrity artists?in concert and studio.
Left the biz for a real/steady ?job ...LOL.... in my degree'd profession.
Want to play again but rusty.
Need tuition and a bass amplifier setup.
Have an awesome bass guitar already with headphone practice amp.
Local campus of "School of Rock" will train/refresh/teach more up to date
technique/assemble a band for local work.
They have an adult program.
Will also keep my day job.
All I need is your trust that I will repay, as I NEVER have
failed to repay a loan, Big or small.? My credit report proves this.


My financial situation:
I am a very good candidate for this loan because
I have never defaulted on any loan and never will.
I pride myself on my honesty. Folks that know me personally
know that my word is as good as gold.

My job is extremely secure and recession proof.
I have never been laid off or fired from a job.

Monthly net income: $?3000 to?3900 with?commissions etc,?sometimes more

Monthly expenses: $
??Housing: $ 1172
??Insurance: $ 85
??Car expenses: $ 346
??Utilities: $ 97
??Phone, cable, internet: $ 48
??Food, entertainment: $?300
??Clothing, household expenses $ 100
??Credit cards and other loans: $?600
??Other expenses: $ 0

Adoption Expense

Purpose of loan:
This loan will be used to? Pay for adoption expense

My financial situation:
I am a good candidate for this loan because? I am current on all my bills and understand that by getting this loan I will make it my top priority to pay the prosper community back.

Monthly net income: $2000

Monthly expenses: $1600
??Housing: $ 940
??Insurance: $ Paid by husband
? Car: Paid off?
??Utilities: $ Paid by husband
??Phone, cable, internet: $ Paid by husband
??Food, entertainment: $300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 60

Gregger has bid a total of $72.98 in winning bids.

Q: Hi there, could you explain the delinquencies in your record? Thanks and good luck with this loan and adoption! - green-rapid-openness

A: I had been laid off from several jobs that I had and I was going to college. When I was able to find work during that time, I wasn't making much money. I have since found a great employer and have been with them for 4.5 years. (Jul-22-2010)

Emergency Vehicle Repairs

Purpose of loan:
Payoff Emergency Transmission repairs

My financial situation:
I am a good candidate for this loan because because I pay on time.
Never had a BK. NOTE: I INTEND TO PAY THIS OFF IN 12 MONTHS OR LESS. PROSPER HAS a 36 month period minimum.
Also I was approved for a 26% rate, but chose to offer a higher % of 29.99% to fund this quickly.

Monthly net income: $ 9459

Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 1000
??Car expenses: $ 500
??Utilities: $ 100
??Phone, cable, internet: $ 250
??Food, entertainment: $ 1000
??Clothing, household expenses $ 1000
??Credit cards and other loans: $ 3000
??Other expenses: $ 250

Q: Please explain your high revolving debt level. Thanks and best wishes. - reflective-rupee

A: Hi, Thanks for your question. I have 4 closed credit card and lines...2 of them the companies went out of business (Advanta) and (MBNA) and the others, he companies dont like the fact that I carry high balances. My Amex limit was reduced from 20K to 1.5K for Sign and Travel. No lates whatsoever. The other credit lines I have do not have enough credit on them to cover this expense. Otherwise I'd have a credit available to pay for the complete repairs to my vehicle, and would not need this. (Jul-21-2010)

Q: What exactly is your occupation? - RecoveryLender

A: I'm an Education Manager for a high tech computer computer. Been doing the same job for 15 years, in the same company for 22 years. (Jul-26-2010)

Help me move to a safe home

Purpose of loan:
Hello there, my name is E. C.; A young professional asking for some extra help. I am an audio engineer at a post production facility; I work on independent films and documentaries as well as television programs and commercials. Currently, I live in a marginal area, at times, safety can be a concern. I have a wonderful opportunity to move to a far safer location at the same rent I am paying now. The catch is, my deposit will be quite expensive; totaling 1800 dollars. I am asking to borrow 2000 to cover both deposit and moving costs. I am also interested in building up my credit, which would happen if I had a Prosper loan. I have always been a responsible person. I am diligent about paying my bills on time, every time. To feel safe in a new home would be a dream come true for me. I would be honored if you took my listing into consideration and gave me the opportunity to improve my life.
Thank you so much
-E

My financial situation:
I am a great candidate for this loan because I have a good, stable job. Also, I am a responsible person and I pay my bills on time.

Monthly net income: $ 1800

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 0
??Car expenses/Transportation: $ 220
??Utilities: $ 60
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 20
??Credit cards and other loans: $
??Other expenses: $ 80

Q: ?what is it about the home you live in that is not safe.? - USFoundation

A: HI there. I live in East Oakland, CA and am looking to move to El Cerrito, CA. I use public transportation to go to work. Often times I do not feel safe, especially in the winter when it becomes dark sooner in the day. Thanks, -E (Jul-27-2010)

Paying off 18% and 26% APR cards

Purpose of loan:
This loan will be used to pay off a current balance of about $3,000 on two credit cards, one with an 18% APR and the other with a 26% APR.

My financial situation:
I am a good candidate for this loan because I have a stable job in information technology with a state university that recently approved an across-the-board pay raise for all employees (while others are seeing furloughs and pay cuts). I am paying off credit cards that I used to supplement a loss of income during my final semester of college (could not work while writing a thesis), and I would love to save some money as my credit continues to improve. I will also have my MBA completed in the spring of 2011, which should increase my future earning power. I have owned a home since 08/2006 and have never been late on a mortgage payment.

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Q: Any outstanding Student loan payment coming? Any other debts? Thanks. - cybercop45

A: A 30-year home mortgage with a monthly payment of $800. (Jul-27-2010)

Q: Can you give us some color on the delinquency? - WallStreetProgrammer

A: Sure! It's Gamefly.com. They claim I failed to return a game when I cancelled my membership. I explained I'd sent it but offered to pay the value of the game ($13). They told me since I was 'no longer a member' and $13 was the membership price, I would have to sign up for another year of service, or pay $50 for the game. I have not bothered to fight this charge, as it has not really affected my ability to get credit in the past. (Jul-27-2010)

First Apartment and Bedroom Set

Purpose of loan:
This loan will be used to get my first apartment. I will use the funds to pay for the move in cost and?to furnish?the place?. The rent for the apartment is $850/months. The home owner is asking for 1st and last months? rent and 1 month security. I will need $2250 to move in for August 1st. I will also have a roommate that will be paying half of the monthly bills leaving me responsible for about $725.00/a month. I will also need to purchase a bedroom set and a mattress for the apartment.???

My financial situation: I am a?GREAT?candidate for this loan because?I am very responsible when it comes to making financial decisions. I take pride in paying my bills on time and I am very cautious when it comes to taking on any new?debt. I created a quick budget (which I have provided below) of my projected expense ( once I am in the apartment ) and determined that I can afford to pay off this loan on time for the next 3 years. I work for a global company that designs, builds, markets and supports custom software that companies purchase and use to manage their employees stock options. I currently make $40,000 a year and have a 700+ credit rating.

Please see the budget I created below breaking out my expense once I move into the apartment. The shared expense of the apartment has been divided in half, representing the portion I am responsible for.

Projected Month expenses:?
Housing: $?850?/ 2???=? $425??????????????????????????????????????????????????
Insurance: $ 120??
Car expenses: $ 300??
Utilities: $ 100?/ 2??= $50????
Phone, cable, internet: $?100?/ 2?= 50??
Food/ Household: $?400?/ 2?=?$200
Credit cards and other loans: $?200??
Prosper Loan: $ 183

Bringing?my TOTAL?MONTHLY?EXPENSE?$1,528.00- This amount includes all of my new projected expense from my apartment
half of all the rent and bills, my current bills, plus Prosper Lending?s loan payment.)? Thank you for your time and consideration.?


Monthly net income: $ 2420.00 - $ 1528.00 ( projected monthly bill budget) = $922.00?remaining for the month

CURRENT Monthly expenses:?(The budget above is?what I expect to pay if I get this loan and get into the apartment)?
Housing: $?200??????????????????????????????????????????????????????
Insurance: $ 140??
Car expenses: $ 300??
Utilities: $ 0??
Phone, cable, internet: $ 0??
Food, entertainment: $ 0??
Clothing, household expenses $ 100??
Credit cards and other loans: $?200??
Other expenses: $ 0

A+ Credit, 3rd Prosper Loan.

Purpose of loan:
I am a good candidate for this loan because I pay my bills on time each and every month.? This is my 3rd Prosper loan.? I've made good solid payments on my second Prosper loan and I have paid off my first Prosper loan.? I'm going to use this loan to pay off some bills and improve my home.

Monthly net income: $6962

Monthly expenses: $ 4492
Auto Insurance: $166
AT&T: $200
Comcast: $80
Directv: $120
Citi Credit Card: $70
Chase Credit Card: $200
Groceries: $600
MBNA Credit Card $20
PG&E Utilities: $200
Paypal Plus Credit Card: $0
Housing: $2365
Prosper: $471

Mountaineer has bid a total of $1,000.00 in winning bids.

"I know this borrower and have loaned to him before. He is one of the minority of prosper borrowers that bothers to stay current."

Sandboxer has bid a total of $400.00 in winning bids.

Paying medical bills

Purpose of loan:
This loan will be used to help pay some of my medical bills.?? I was out of work for 2 months due to a medical condition I had, and I incurred a lot of medical expenses.?? I did not get my full pay due to being out on FMLA leave.?? And my health insurance requires me to meet a deductible.? So, I am having a really hard time keeping up with getting these bills paid and this extra money will help me so much.
My financial situation:
I am a good candidate for this loan because I am really good about paying bills on time.? Although my credit score negatively impacts me, it does not reflect my ability to pay on time and does not reflect the responsible person I am in regards to be accountable for making good on a loan.
Monthly net income: $ 3000.00

Monthly expenses: $
??Housing: $850.00
??Insurance: $ 70
??Car expenses: $ 400
??Utilities: $ 80
??Phone, cable, internet: $100
??Food, entertainment: $200
??Clothing, household expenses $200
??Credit cards and other loans: $ 40
??Other expenses: $150