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Listing Title



Loan Information

Loan Status: Defaulted (Delinquency) Origination Date: 2006-10-20 Payments Made: 4 of 36 Total Payments: $144.16 / $1000.00

Listing Summary

 

Borrower Info

Requested Amount: $1000.00
Lender Rate: 17.00%
Automatic Funding: Yes
Percent Funded: 100%
Monthly Payment: $35.65
 
Borrower: YoungAmbition
Location: WV
Group: creditrecovery
Group Fee: 0.00%

Credit Profile

Credit Grade: HR Homeowner: Yes Account Verified: Yes Debt To Income: 21%

Extended Credit Data

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Listing Description

I have dropped the amount of the loan because I have saved another $500. and my father has given me $1500.

My son needs your help...
I will try to keep this short and to the point.  Over  2 years ago I left my then-husband because his addictions were destroying our family.  I was able to go live with my mother, but not for long.  When I was offered a stable, well paying job here I had to leave my son back in FL with his father for what was to be a temporary period of time.  I had no choice... I could stay where I had no home and my current job paid less that rent on the average rat hole, or take this job and come back for him.  The divorce papers clearly state that my ex-husband has custody only because of my situation and for the year of 2006.We were to share custody evenly once I was settled.  Now, he doesn't want to let me have any time with him! 

I have spoken with a lawyer and should be in court by January to get custody back of Brayden.  My circumstances are miles better than his fathers, making me the obviously more stable parent. 

So, why the loan?  Because I need a $2000 retainer for the attorney and $1500 for the private investigator that I need to hire to document my ex-husbands drug and alcohol abuse for the hearing.  I already have $500 in savings. 

And the credit rating?  It is all debt from my marriage and divorce.  I had flawless credit with a paid off car and large home before I got married... I lost it all to his habits.  Since then, I only have two open small credit cards of $300 a piece, some small student loans, and a car loan; all of which are automatically withdrawn and therefore always on time.  I have a well paying job and own a laundromat , as well.  I will have the cash needed by December, but I can't wait until then to get the ball rolling!  The longer I have someone watching my ex and the more time my lawyer has to prepare, the better my chances... the better my son's chances.
 
Monthly Expenses:
Rent $225 (utilities included)
Car $280
Gas $100
Food $120
Cell $70
Student Loans $52
Credit Cards $30 (15 a piece)
Child Support $275  <------ once I have custody, this will no longer be the case
Pet care $50
Total =  1,082  With child support   

Income:
Kennel   1,952
Laundromat Profits  400  (slow month)
Total = 2,352

Difference of  $1,270... Plenty to make my loan payments, even if I lost. (not likely!)

I had a listing for a loan to buy a house that I withdrew so that I could post this one. Obviously, my baby boy is more important and the situation has become more serious. I can rent for the rest of my life if I have him here with me.

Please help me get my son back.  He deserves SO much better than what he is getting from his father right now... he even tells me all the time about how my child support pays his car payment!!  When I have been to visit, I have had to buy new clothes because they are still dressing him in clothes two sizes too small!  They smoke in the house with him, and lord knows what else.  Brayden has been sick more times than I can count since I left...even though he was never sick when he lived with me.  He is not in preschool, though he should be and is alienated from his family that lives literally ten minutes away from him.

Please look deep in your heart. My rating may be HR but this is NOT a high risk loan! Your time and consideration is tremendously appreciated.  God Bless.