Family Emergency

Purpose of loan:
This loan will be used to help our family in emergent need.?

My financial situation:
I am a good candidate for this loan because I have?excellent repayment ability.??I have been an RN for 18 years, working at two hospitals?with?very good pay rates.? The above noted length of status reflects the start date for only one of the hospitals.? I have been employed by the other hospital for 12 years.? ?

Monthly net income: $ 6000.00

Monthly expenses: $
??Housing: $ 1250.00
??Insurance: $ 50.00
??Car expenses: $ 550.00
??Utilities: $200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 450.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $250.00?
??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: This is a relatively new mortgage. The current balance is $170,173.00. The lender states the appraised value is $174,500.00. There are no second mortgages. (Dec-20-2010)

Q: Hi! Can you please tell me what the "emergency need" is that you are requesting these funds for? Thanks - Danjack_Capital

A: This request/listing concerns an urgent personal need for my daughter. Thank you for your interest. I sincerely appreciate your consideration. Happy Holidays (Dec-24-2010)

updating kitchen, new appliances

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: $

Debt Consolidation/FinancialFreedom

I am a good candidate for this loan because I have a stable job in this unstable economy and have paid off a previous Prosper loan with no problems. I'm a bit disappointed with the "new" rating system. For my first Prosper loan I had a "AA" rating. Now I have been dropped to a "D". My last loan was paid in full and ahead of the due date with no late payments, but I still have a lower rating now which has pushed the starting interest rate way up. Hoping my bidders will drive this rate back down. Thanks for your help.

Pay off credit cards

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: The total mortgage balance is 201,000. The first one is 160, 000 and the second one is 41,000. My monthly payment comes out to $1624. The market value of my home should be $227,000. I did a professionial appraisal in 2007. Ben (Dec-24-2010)

Q: You couldnt take a few minutes to fill out the loan description and you expect people to lend you money? - silver-parsec

A: Loan Description? What is the question? What do you want to know specificially? Prosper is asking for my bank account number or voided check and I am new to this-a little hesitant to give out this info. I am a rookie in this matter and this is very serious stuff. I am trying to call prosper. I am a faithful borrower. A construction company did work on my house and they allow me to pay them off in 3 years-$391.70 a month and I successfully have pay them off. Ben (Dec-27-2010)

Q: Hi Ben, most bankruptcies in the US are caused by medical expenses. Do you have health insurance? Could you fill our the monthly expenses and income section of the listing? Thanks and good luck with this loan. - green-rapid-openness

A: I do have health insurance. I work for a government agency-library-extremely good insurance-medical and dental. OK I will filled out the monthly expenses and income section of the listing-if I can find it. Thanks. Ben (Dec-28-2010)

Q: Please each credit card you owe and inform us of the balances and interest rates on each. If they are lower than 31% please let bidders know why you want this debt through prosper. - jpblan11

A: Most of the credit card are definitely lower 31%. I don't have my credit card statements with me. I will attempt to estimated: Sears-$3000 Well Fargo-$4000 Bank of America-$6000 and $1700 Union Plus-$6000 Citi-$4200 Home Depot-$1400 Discover-$1500 Capitol One-$1000 Chase-$1000 and $250 I believe most of the credit cards at least 24%. To get a lower rate and be able to pay off my debt faster. Ben-thanks (Dec-28-2010)

Q: Hi Ben, prosper allows the borrower to answer a few questions about reason for the loan, why people should lend you money and a break out of your income and expenses. The information makes it easier for borrowers to invest in your loan. - green-rapid-openness

A: My income comes out to $50,000 a year. My mortgage payment with taxes and insurance comes out to $1724. My credit card monthly payment is about $1000. The other expense is about $350-food and utlities. Ben-I am work. I ran out of time. (Dec-28-2010)

Q: Is your balance for revolving credit $28K entirely made up of credit card debt? - jpblan11

A: Yes. Ben My debt is because of rennovation done to my house, mainly. (Dec-28-2010)

Paying off credit cards

Purpose of loan:
This loan will be used to? pay off several low-limit credit cards, so I can close out those accounts.

My financial situation:
I am a good candidate for this loan because? I have never once in my life defaulted on any loan.

Monthly net income: $ 3333????7917 (husband)
Monthly expenses: $
??Housing: $ 1400????????????????
??Insurance: $
??Car expenses: $ 300
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $?500
??Other expenses: $

Helping my daughter with school

Purpose of loan:
This loan will be used to? assist my youngest daughter with living expenses while attending graduate school over the next two months.

My financial situation:
I am a good candidate for this loan because? I always pay my bills on time, have a secure full-time job and work two part-time jobs.

Monthly net income: $3600.000

Monthly expenses: $ 1900
??Housing: $500
??Insurance: $ 100
??Car expenses: $ 150
??Utilities: $250
??Phone, cable, internet: $ 0
??Food, entertainment: $?200
??Clothing, household expenses $
??Credit cards and other loans: $ 700
??Other expenses: $ 0

paying off credit cards

Purpose of loan:
This loan will be used to? I would like to consolidate some higher interest credit cards and pay off the debt faster with a better APR.

My financial situation:
I am a good candidate for this loan because? I have had a professional career for over 13 years with the same company and know with 100% certainity about commitment. My financial situation is stable, I just have multiple credit cards that I would like to condense down into one easy payment with a better APR.

Monthly net income: $ 3442

Monthly expenses: $ 3034
??Housing: $ 908
??Insurance: $ 100
??Car expenses: $ 351
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $?75
??Credit cards and other loans: $?400
??Other expenses: $ 400 medical

inventory for small business

Purpose of loan:
This loan will be used to?
Buy inventory and computer for small business
My financial situation:
I am a good candidate for this loan because?
I havent been 30 days late on any loan payment in 11 years.? I would much rather establish a good credit rating with prosper than these big banks.that everyone hates.? My wife is a hair stylist and owns her own salon
Monthly net income: $
3800
Monthly expenses: $
??Housing: $ 642
??Insurance: $ 50
??Car expenses: $ 380
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 700
??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: Zillow had us around 105 last month we still owe 87..... (Dec-30-2010)

Vehicle Repairs

Purpose of loan:
This loan will be used to? Make repairs on a vehicle, as we do not feel that we are in a position to take out a larger new car loan at this time.

My financial situation:
I am a good candidate for this loan because? I have steady employment, where the listed monthly payment will not be a hardship to pay monthly and?possibly to pay it off a little sooner by paying a little extra every month.

Monthly net income: $ 3400.00

Monthly expenses: $
??Housing: $ 350.00
??Insurance: $ 197.00
??Car expenses: $?80.00
??Utilities: $ 150.00
??Phone, cable, internet: $?120.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 120.00
??Other expenses: $

clear debt after closing business

Purpose of loan:
This loan will be used to? service debt.? I closed my business of 2 1/2 years in December of 2009 with debt of over $100,000.? I was fortunate to land a job a few months before that closure but staying ahead of the business debt along with personal debt has been very difficult.? I simply want to do the right thing and pay back all that I owe.? Bankruptcy is something I want to avoid at all costs as I feel it is my responsibility to take care of my obligations.

My financial situation:
I am a good candidate for this loan because?both my wife and I have solid jobs with good pay.? We have learned to live in a simple manner since we have faced this debt issue.? We never fell behind before my business failed and we want to get back to that.

Debt Consolidation

Purpose of loan:
This loan will be used to consolidate higher interest credit card debt.

My financial situation:
I am a good candidate for this loan because my cashflow is more than sufficient to cover this obligation and I've never missed a payment.

GEtting Rid of Credit Cards

Purpose of loan:
This loan will be used to? finally get rid of my credit cards.

My financial situation:
I am a good candidate for this loan because? I have been focused on paying off my credit cards ever since the banks upped my rates from 7-9% to 15-20% a couple of years back.? Now I am fed up with never being able to get ahead and want this loan to lock in a much lower rate and payment.? This lower payment will free up my cash flow considerably and will allow me to finally save money and live strictly on the the money I earn instead of falling back on credit cards when a large expense pops up.

Here are some other things you should know.? My wife an I own two homes.? I pay the utilities for our principal residence and my wife pays the mortgage for that property.? We have a second home that we are renting now.? When my wife completed her PhD in 2008 we moved to pursue better job opportunities in a larger city, our home did not sell and now we rent that property.? I receive the rent and pay the mortgage for that property each month which nets a loss of $300.? I ahve not included my wifes income or expenses in this listing.? The loan from my parents was used to cover the cost of a new furnace and AC unit our home needed and to consolidate some other credit cards that racked up during college.? This loan has 12 payments remaining as of January 2011.


Gross Income:???????????????4000 (net of taxes and retirement)
Transfer to Savings???????? (200)
Credit Card Pmts???????????(975)
Loan from Parents????????(1100)
Cell Phone????????????????????(135)
Utilities???????????????????????? (350)
Store Cards?????????????????? (415)?(interest only balances - will be paid within next 12 months)
Life Insurance????????????????? (40)
Student Loan???????????????? (100) (getting MBA, making monthly pmts to keep interest down)
Rental Property??????????????(300)
Net for Food/Auto/Misc????385

As the 0% interest store cards and the loan from my parents get paid over the next 12 months I should be able to increase my monthly payments on this loan to pay it off quicker.? Please let me know if you have any questions.

hopeful

Purpose of loan:
This loan will be used to? debt consoliudation

My financial situation:
I am a good candidate for this loan because? bills are current but want to pay off several

Monthly net income: $ 1616.00

Monthly expenses: $ 1200.00
??Housing: $ 0 no mortgage
??Insurance: $ 75.00
??Car expenses: $ 125.00
??Utilities: $ 200.00 flexiable
??Phone, cable, internet: $ 200.00 approx
??Food, entertainment: $food 250.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 600.00
??Other expenses: $ 100.00

Q: I am bidding on YOU. You have made great improvements since your 2007 loan requests, I think you deserve a chance! All I ask is that you make sure this prosper loan gets paid.I am a REAL person(not a bank)Please don?t let me down! - I-Believe-In-You

A: I am going 'to pay this loan off..and I appreciate your belief in me.....you can rest assured ..this loan WILL BE PAID ....I am taking this step very seriously....thanks again in the belief you have expressed (Jan-04-2011)

Need new Heat Pump

Purpose of loan:
This loan will be used to?purchase heat pump and air handler.

My financial situation:
I am a good candidate for this loan because?my wife and I make $125k per year and have enough income to service our debts.? I have never missed a payment and my outlook is good over the next 6 months as I paydown additional debt and free up additional cash to use to paydown debts faster.? I will also have funds to paydown on this loan in April from tax refunds.? My plan is to pay this loan off in 12 months.

Monthly net income: $ 7,335

Monthly expenses: $ 5,733
??Housing: $ 1623
??Insurance: $ 127
??Car expenses: $ 293
??Utilities: $ 270
??Phone, cable, internet: $ 170
??Food, entertainment: $ 750
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 2,000
??Other expenses: $