Paying parents' medical debts+cr.cd

Purpose of loan:
This loan will be used to pay off medical debts incurred by making it possible for my parents to stay in their own home until they died instead of having to go into a nursing home.? I have steadily whittled away at these debts and would like to have them paid in total.? I used my personal credit card for one of their bills and have $1500.00 left on it plus $4,000 to close out the remaining medical debts.

My financial situation:
I am a good candidate for this loan because I am a responsible debtor, paying my bills ahead of time.? I have an excellent record with Prosper for a previous loan which I paid at the rate of $750.00 per month to establish a business.? My business is now generating enough to assure payments incurred by this prosper loan I am seeking.? I am listing below only my own personal expenses.? ( I am not including my husband's nor am I including his income.? He pays all household utilities, and car ?insurance.)? We have no car payments.?

Monthly net income: $ $4600.

Monthly expenses: $
??Housing: $ 1906.00
??Insurance: $
??Car expenses: $ 100.00
??Utilities: $
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $
??Credit cards and other loans: $ 1800.00
??Other expenses: $

Q: Hi, do you have a full time job in addition to your business? Does the income you listed include profit from your business? What other loans do you have in addition to mortgage and credit card? Thanks and good luck. - interest88

A: I do not have a full or part time job in addition to my business which involves custom embroidery on industrial equipment I own; the income listed includes my retirement (a fixed annuity with no increases) and profit from the business--not gross. The other loan I have is one that allowed me to hire night caregivers for my parents so they wouldn't have to go into rest homes. The loan is from a private source which I need to get paid right away. Thank you for your interest and encouragement. (Nov-23-2010)

Inventory for renovation project

Purpose of loan:
This loan will be used to?purchase small inventory and initial payment for an electrician to?wire our?home construction.

My financial situation:
I am a good candidate for this loan because I always pay on time and? I am NOT living above my means; the issue is that PG County places fees,, surcharges and liscense fees on construction.? So we got stuck paying fees/surcharges of over $50,000 just to get a building permit, grading on and off site with and?extra added charge for a bond ($6,000)?(all out of pocket expenses) before we could put?shovel in the ground.? We are building now; however, these onforseen expenses?ate into our inventory fund and savings.

Marketing for healthcare

Purpose of loan:
This loan will be used to?market my healthcare facility?

My financial situation:
I am a good candidate for this loan because? I am prompt in making payments on outstanding accounts

Monthly net income: $6000.00

Monthly expenses: $
??Housing: $?1300.00
??Insurance: $ 500.00
??Car expenses: $ 250.00
??Utilities: $ 150.00
??Phone, cable, internet: $200.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 600.00
??Other expenses: $

Paying off my credit cards

Purpose of loan:
This loan will be used to?payoff?high interest cards and establish myself with the Prosper community where hopefully I'll be?able to get better rates as I prove myself to other lenders.?

My financial situation:
I am a good candidate for this loan because??
We have excellent credit with no late paymentsfor the last 7 years.?My scores are all?very good?and can be verified. Last month we paid off an additional $4000 on our cards. My wife and I drive together and have been doing so since 1997.?We have been in theTransportation Industry for over 20 years.
Monthly net income: $8500

Monthly expenses: $ Approx:?$4500
??Housing: $1400?????????
??Insurance: $200?????
??Car expenses: $ 0 Free and Clear
??Utilities: $120
??Phone, cable, internet: $250
??Food, entertainment: $6-800
??Clothing, household expenses $250?
??Credit cards and other loans: $250
??Other expenses: Truck payment $1118

Fixing our main plumbing drain

Purpose of loan:
This loan will be used to repair the main sewerage drain of our home. Being able to get this loan will mean that we don't have to continuously worry about sewerage backing up into our basement (it's happened several times) and will finally be able to take care of the basic needs of a family (washing clothes at home, washing dishes, taking a shower, etc.)

My financial situation:
I am a good candidate for this loan because I always pay on time and have adequate and consistent funds to pay back this loan. I filed for bankruptcy in 2009 and have been unsuccessful in obtaining a traditional loan and want the opportunity to rebuild my credit outside of the banking industry. I believe this form of peer-to-peer lending is one of the best financial ideas on the Internet.

Monthly net income: $ 2600.00

Monthly expenses: $
??Housing: $ 0.00 (no mortgage owed)
??Insurance: $ 200.00
??Car expenses: $ 365.00
??Utilities: $ 250.00
??Phone, cable, Internet: $ 300.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 300.00 (property taxes)

Q: Your HR credit is a concern, but I am bidding on YOU. No DQ?s, I think you deserve a chance! All I ask is that you make sure this prosper loan gets paid. I am NOT a bank, I am a REAL person putting faith in you, So please don?t let me down! - I-Believe-In-You

A: Thank you for giving us a chance. I know that my credit is a concern, but trust that if I get the loan I will pay it off in full. Thanks again for your assistance. Happy holidays! (Nov-27-2010)

Very short term loan to fill a gap

Over the last two months, a perfect storm of car repairs, family medical emergencies, and unexpected downsizing at work due to the economy depleted my savings and then some.? I've been doing odd jobs and contracting work, but need a little help making ends meet from now until late January/early February, when I will be going back to grad school, and starting a research assistant position, which will more than pay my tuition and living expenses.

I am a good candidate for this loan because I don't miss payments, and I plan to pay this loan in full by the end of February (sooner if I can find some seasonal work).? This is my second Prosper loan - I paid the first one back within a month of disbursement.? Thank you so much for your consideration.? It is truly appreciated.

Q: Hi, as a MN attorney who graduated 5 yrs ago and got licensed 4 yrs ago, I know your financial pain! I'm curious to hear an update on your law school progress, future career plans, etc., and to get a fresh take on what it's like out there now. Thx! - VikingLender

A: Thanks to the good folks at Prosper, I did finish my last class and get my JD! The market was insanely tough then (and still now - I feel terrible for the class of 2011), and I ended up at Westlaw. But as you may have heard, they are laying folks off left & right - and unfortunately I was one of them. Pangea3 seems like the future of Thomson - there are rumors of more layoffs after the holidays. (Nov-29-2010)

Payoff real estate taxes

Purpose of loan:
This loan will be used to? pay past due and current real estate taxes on residence delinquent because?of wife's transplant expenses.????????

My financial situation:
I am a good candidate for this loan because? able to return to full-time consulting after time off to stay with wife after transplant.????????

Monthly expenses: $ 2160
??Housing: $ 250
??Insurance: $ 210
??Car expenses: $100
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 200
??Other expenses: $ 500

My 3rd successful Prosper loan

Hello again!

Thanks for taking the time to?consider my 3rd and final Prosper loan.

First let me say?"ouch", the new Prosper rating system does not like me!??As you can see I've?had two successful Prosper loans already, both?times I had a "D" rating.? Check out my last loan, since then, my debt is down over $4,000,00 my bank card utilization is down 10% and my credit score is up 50 points!? And all of that earned me a new prosper rating of........drum roll........"HR"!!!??I feel so yucky with an HR rating.? I am a lender too by the way, I get why Prosper had to tighten things up, tough last?year.

Second, that single late payment on my Prosper history drives me crazy.? On my very first loan, they double debited my bank account when I called them, they put both payments back and then said I hadn't paid them!? It was frustrating.? But, as you can see I don't have any late payments on my credit history.

What the loan is for:? I have a great opportunity.? I work for a limited partnership in the securities industry.? Because of my position and performance, I have been offered $30,000.00 in partnership in the firm!? In order to buy into my company I have to put down 20% of my own money which equals $6,000.00.? I have $4,500.00 in savings.? I would have more but I am aggressively paying down my debt (like Dave Ramsey told me to).? I could purchase less than the 30k and just use the $4,500 I have, but I don't want to pass up a single penny of this opportunity.

This is also a good spot to mention that I am a licensed securities professional and if I were to ever declare a bankruptcy it could potentially end my career.? At the very least it would damage my ability to go further in my industry.? So I'm very serious about my credit report, score, and payment history.?

This loan amount and payment are actually very small for me.? If this offer from my company was 3 months later, I wouldn't need to borrow any money at all.? Also, I have a $2300 bonus due in February.? That is not to say I will pay the loan off then, that money will go to credit cards, I'd rather let you earn a little interest than them, I just wanted to show that the ability for me to repay this loan is there.

Thank you for your consideration.

Happy Thanksgiving!

Monthly net income: $ 4584

Monthly expenses: $?3750 and my $400 car payment is gone in 6 months!!? This includes every expense, Dave Ramsey taught me how to be a strict budgeter!!!!

Home improvements

Purpose of loan:
Need to replace water pump.? Need to make some energy saving improvements to lower utilitiy bills.? These are improvements that need to be made on my dads house.? He passed away in April and we are wanting to move in after the holidays.? Please help.? He really wanted us to keep this place in the family.
My financial situation:
I am financialy stable at this point in may life.? I am wanting to improve my credit.? I just paid my car off today and will have extra money to pay the this loan every month plus extra.?
Monthly net income: $ 3000.00

Monthly expenses: $?2115.00???????
??Housing: $?0
??Insurance: $ 165.00
??Car expenses: $ 200.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 250.00
??Food, entertainment: $?500.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 200.00
??Other expenses: $300.00

Q: Why are you currently ldelinquesnt $221 and have 24 delinquencies in past 7 yrs.? - RecoveryLender

A: I am not sure what the 221.00 dollors is for that I am delenquent now. I have been checking into it because I would really like to get it paid. 5 years ago we filled bankrupcy and since then I have been doing very well with reastablishing my credit. I just paid off my van last week and only owe about $450 on my credit card. The delinquencies was before my bankrupcy. (Nov-26-2010)

Q: Please explain the delinquencies on your credit profile. Fixing them up will surely improve your credit score not this loan. - jpblan11

A: The delinquencies was before my bankrupcy in 2005. I have just paid off my van about a week ago and have been trying really hard since 2005 to improve my credit. I had a prosper loan in 2007 and was only late once due to my son going into the hospital. After he was home and ok, I worked doubles to get my loan caught up. (Nov-26-2010)

Q: Your HR credit is a concern, but I am bidding on YOU. I think you deserve a chance! All I ask is that you make sure this prosper loan gets paid. I am NOT a bank, I am a REAL person putting faith in you, So please don?t let me down! - I-Believe-In-You

A: Thank you, I will NOT let you down. (Nov-26-2010)

2nd Loan - Never Late, High Return

Purpose of loan:
Hello Prosper Lenders, if you financed?my first successful loan - thank you.? If you're considering to?fund my second loan - thank you.??I will use the money to help my cousin pay some medical bills while her mother is getting chemotherapy (stage 4 cancer).

My financial situation:
I am a good candidate for this loan because I?ve kept my obligation of paying my first Prosper loan and can easily afford paying this second loan.? I?m a registered nurse with 10+ years of work experience and have never been out of work. ??Thank you for your bidding.

Start a DVD Rental Business

Purpose of loan:
This loan will be used to purchase a vending machine and initial inventory & setup. My financial situation:
I am a good candidate for this loan because I am a hard worker with an entrepreneurial spirit. I started a computer consulting business in high school that I grew into 2 locations with 15 employees serving 4 counties.

I just started a new position with a stable, growing company the first of November. I expect to be with this company for a long time and look forward to the opportunity to advance within the ranks.

I am interested in?a dvd rental kiosks?so I can have a home based business in a growth area that I can expand as funds allow.

My debt to income ratio is 22% due to the fact that I have 3 properties. One is primary residence, one is rental (I did not include income in application for this loan), and the third is being updated to become a rental property.

Please let me know if you have questions. Thank you for your consideration.My financial situation:
I am a good candidate for this loan because I am a hard worker with an entrepreneurial spirit. I started a computer consulting business in high school that I grew into 2 locations with 15 employees serving 4 counties.

I just started a new position with a stable, growing company the first of November. I expect to be with this company for a long time and look forward to the opportunity to advance within the ranks.

I am interested in?a dvd rental kiosks?so I can have a home based business in a growth area that I can expand as funds allow.

My debt to income ratio is 22% due to the fact that I have 3 properties. One is primary residence, one is rental (I did not include income in application for this loan), and the third is being updated to become a rental property.

Please let me know if you have questions. Thank you for your consideration.

Car repairs & children school expen

Purpose of loan:
This loan will be used to pay for some major car repairs and my children's school expenses.

My financial situation:
I am a good candidate for this loan because my income exceeds my expenses. I'm also trying to rebuild my credit from past mistakes.

Monthly net income: $ 3,750

Monthly expenses: $
??Housing: $ 400.00
??Insurance: $ 90.00
??Car expenses: $ 150.00
??Utilities: $ 140.00
??Phone, cable, internet: $ 0.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 70.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 0.00