Medical Expense

Purpose of loan: This loan's purpose is to pay for an upcoming surgery for my child in January. The child has to have tonsils and adenoids removed and my insurance will not cover the whole procedure. This money is also going to be used to pay off a remaining secured debt I have left to pay off so I do not have a secured debt anymore.

My financial situation:
I'm starting over my financial situation. I'm trying to rebuild my credit. I filed bankruptcy a year ago and it was discharged almost a year ago. I've slowly started to rebuild credit but I don't have?extra savings and I do not want to charge this medical expense. I'm trying to re-establish credit but most banks won't extend a loan to me yet.?I can afford this payment for this loan with paying off my secured debt.? I also will have a tax refund coming later in April which will help me pay down this loan and help me establish a better credit score for future loans.?I am trying to start my life over and this is really the only type of loan resource I can get right now so I'm hoping lenders through this organziation will give me a chance to prove my self and extend a loan to me.

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $ 1615.17
??Insurance: $?150
??Car expenses: $?50
??Utilities: $ 170
??Phone, cable, internet: $ 100
??Food, entertainment: $?200
??Clothing, household expenses $ 150
??Credit cards and other loans: $?100
??Other expenses: $

Q: Your D 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 appreciate that you are putting your faith in me and believe me I won't let you down. If there is one thing I've learned from my past it's that I don't want to go through what I went through ever again and have learned my lesson. I just need somewhere to start and appreciate that Prosper exists for people like me. Thanks again. (Dec-20-2010)

Q: Can you please provide: 1. The total mortgage balance (including 2nd/heloc) on you home 2. The market value of your home (use zillow.com if unsure) - kindness-launcher

A: Hello. 1. First - $200,000 & 2nd around $100,000. 2. zillow's estimate is around $308,500. (Dec-20-2010)

Working capital for the end of year

Purpose of loan:
This loan will be used to? help with bills until tax season starts.

My financial situation:
I am a good candidate for this loan because? my busy season will be upon us soon and I will be able to pay the funds back.

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: $

Consolidate medical bills

Purpose of loan:
I am using this loan to pay medical bills which have accumulated and are now coming due.? I have recently left my job for medical reasons.? This is why I am not providing income verification.? I do recieve money from my insurance though.? I have worked all my life and it has just taken this one event to put me a little behind.? By combining all medical bills and getting them all in one payment will make things much easier.? Thanks for your consideration.

My financial situation:
I am married and my husband makes enough money to continut to pay this bill himself.? I also recieve money which cannot be verified, but is in the form of insurance payments.??Both of our credit scores are above 700,?I get?knocked down for not being able to verify income.? We have tried other loan avenues but medical loans are hard to get.? ?We are? not behind on any bills and continue to pay off debts that we have.?? By combining all these medical expenses it would make life a little easier.

Monthly net income: $ 4500

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

A gift for my wife

Purpose of loan:
This loan will be used to? buy a car for my wife. She is on SS disability after having over 50 different surgical procedures, and has a terrible time getting in and out of our truck. Our credit is in a shambles, partly due to a previous divorce and some poorly timed credit purchases by me. I have been in a "cash only" mode for quite awhile, while working to pay off debts and restore my credit rating. The delinquencies currently on my report are actually being settled and have only 2 payments of about 150 remaining. We own our own home with a mortgage that is still in my wife's maiden name and therefore is not reflected in my profile. Basically this is the right car for her, at the right price, at the wrong time. Had the opportunity for this purchase come 4 months from now, I would be paying cash, and not needed a loan.
My financial situation:
I am a good candidate for this loan because? I am gainfully employed by a major steel manufacturer, and after a rough patch for my industry, business is improving. The prospect of my continued employment and income are excellent, and therefore my ability to repay this loan, regardless of what my credit profile may indicate, are also excellent. I also have roughly 5% of my monthly income direct deposited to a credit union savings account, but recent unforeseen expenses and holiday spending have reduced my balance to less than is required for this purchase. I also intend on making an early payoff on this loan, as I anticipate a federal tax refund well in excess of the loan amount requested.
Monthly net income: $ 8000

Monthly expenses: $
??Housing: $ 713
??Insurance: $ 250
??Car expenses: $ 150
??Utilities: $ 440
??Phone, cable, internet: $ 250
??Food, entertainment: $ 550
??Clothing, household expenses $
??Credit cards and other loans: $ 230
??Other expenses: $

Q: Hi there, according to your listing, you are currently making $5,417/month after expenses. Why would you not just wait a month and take a much smaller loan? Also, did you contact your credit union to see if they would loan you the money? Thanks! - MRMCapital

A: Sorry. Entry error on my part. In my haste to post this listing, I inadvertently copied my GROSS earnings from xcel, vice my NET. Actual net is on average 4400. I should really cancel and re-post this listing. Also, my auto ins. rate is twice shown,as my insurer raised my premiums after an accident my son had a few months ago. As for the credit union, the last loan I took from them took extremely long to process, and in order to close this deal, there is a time constraint. (Dec-28-2010)

home repairs to roof

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?

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: Please explain your deliquencies. - loss-of-control

A: lost both parents 6 days apart and got behind on bills to pay for there funnerals and relayed bils (Dec-29-2010)

debt consolidation

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?

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: $

Charges on leased vehicle return

Purpose of loan:
This loan will be used to pay off the over mileage on on a leased car I will be returning.?

My financial situation:
I am a good candidate for this loan because of a long term flawless payment history on various types of debt.? Long term stable employment.? I live and work in a city with good public transit, car is more of a hassle than a convenience.? Loan payment will replace a higher cost for lease payment, insurance, gas, registration than I have been paying for last three years so lower overall cost.

Monthly net income: $ 4766

Monthly expenses: $
??Housing: $ 1240????????
??Insurance: $
??Car expenses: $
??Utilities: $?included in rent
??Phone, cable, internet: $ 175
??Food, entertainment: $ 700
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 505
??Other expenses: $ 300

Pay out two more credits cards

Purpose of loan:
This is the second time I process with Prosper.com for a loan and as I indicated in the first loan I would rather process my loans with a group of folk that are making loans out to their fellow people than to a banking institution.? I took the last loan from Prosper and paid off the remainder on the car and on one card and then paid the loan to Prosper in five months.? I would hope to do something similar and in that way accelerate my program to pay off all my debt within the next six years.?????

My financial situation:
I am a good candidate for this loan because?this loan because I am committed to meeting my financial obligations, am moving to be totally out of debt in the next six years and have solid employment.? A list of the family general monthly budget follows:

Net Income after retirement fund, insurance and taxes: ? $4,025
Housing Costs: $445
Car Costs:? $150
Food and Household Costs:? $1,200

My Self Enforced Minimum to Credit Card Debt Payoff is $1,150 by my Average Monthly Credit Card Debt Payoff is $1,900.

To get my car fixed.

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?

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: $

Home Improvement

Purpose of loan:
I will use this loan for home improvement. ????

My financial situation:
I have a full time job. with some overtime when it is available.

Monthly net income: $
$1,800+
Monthly expenses: $
??Housing: $ 600
??Insurance: $ 104
??Car expenses: $ 60
??Utilities: $ 110
??Phone, cable, internet: $ NA
??Food, entertainment: $ 150
??Clothing, household expenses $ NA
??Credit cards and other loans: $ 196
??Other expenses: $ NA

fix my basement

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?

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: Can you please provide: 1. The total mortgage balance (including 2nd/heloc) on you home 2. The market value of your home (use zillow.com if unsure) - kindness-launcher

A: Hi. 1. Mortgage balance 288,000, I just got the house back in June. 2. Market value 309,000 What's the 2nd/heloc? Thanks. Mauricio (Dec-22-2010)

Final Consolidation

Third Prosper listing: 47 on time payments and one payoff already. Recently began repayment period for/consolidated all of my student loans and looking to consolidate the last few debts into one convenient payment. Would prefer a lower interest rate, but more interested in paying this off in 3 years instead of taking 10 years the way it's currently structured. Revolving balance/utilization shown here is higher than accurate, as it includes a company credit card that's in my name.

Paying off credit card forever!

Purpose of loan:
This loan will be used to pay off my credit card for good.

My financial situation: is a single mother working full time. Head of household.
I am a good candidate for this loan because I have stable employment and want to pay off my credit cards. I am 37 in an executive job position.

Monthly net income: $ 2,800.00

Monthly expenses: $
??Housing: $800.00
??Insurance: $120.00
??Car expenses: $450
??Utilities: $250
??Phone, cable, internet: $190
??Food, entertainment: $300
??Clothing, household expenses $
??Credit cards and other loans: $212 but will be paid off with this loan
??Other expenses: $

Q: Can you please provide: 1. The total mortgage balance (including 2nd/heloc) on you home 2. The market value of your home (use zillow.com if unsure) - kindness-launcher

A: Appraised value is $250,000. Mortgage balance is $97,000. Thanks (Dec-24-2010)

new again

Purpose of loan:
This loan will be used to pay off several small loans/consolidate payments

My financial situation:
I am a good candidate for this loan because I work in a field that is experiencing a SHORTAGE of workers (nursing; and I turn down several requests for interviews a month!).? I work full time in a job I absolutely love, for a stable company, for a (reasonably) long time.? When you add up the numbers, it looks like there is nothing left over- it comes mighty close (!), but some of the expenses I have taken on are temporary, and consolidating will eliminate a few of these payments and give me much needed "breathing room"!?

Monthly net income: $ 3960

Monthly expenses: $ 3200- this includes health insurance ($800/month), my daughter's student loan ($700/month), my son's student loan ($250/month), and a mortgage ($300/month).? The rest is a combination of small loans, credit cards, utilities, TV/computer/phone.? The loans and credit card debt are the result of helping my children out financially during financial emergencies (see below).
??Housing: $ 300
??Insurance: $ 800 for health; $1500 every six months for my car and my husband's car + $335 for life insurance
??Car expenses: $ 60 (gas); $150 (loan)
??Utilities: $ 150 (avg. winter expenses- much less other seasons, about $50)
??Phone, cable, internet: $ 200
??Food, entertainment: $ 50 or less
??Clothing, household expenses $ 50 or less
??Credit cards and other loans: $ 500
??Other expenses: $ 950 (combined student loans)

Q: Does your husband have a job? Also, for how much longer will your children be dependent on your support? Thanks. - squarebob

A: My husb. is listed with several temp. agencies, as a lawyer. He was laid off from his corp. law job in Jan. and has been working fairly steadily on various assignments for several weeks at a time. He usually has two weeks or so between assignmts. Our mortgage is fairly high because 5 yrs ago we had to remodel. My married daughter's husb. left her, and their 3 yr old. I am helping her while paying my son's tuition. Don't know how long they will need my help. (Dec-24-2010)