My wife and I are hardworking professional people, she is in accounting and I am an IT Professional. We would like this loan to combine our high interest credit cards and misc. debts to increase our monthly cash flow and to improve our credit score.We have been together for 10 years and have worked hard to improve our credit situation.  We both have been through prior divorces that were very hard on our credit.  We filed for BK in 03/2003 and it discharged in 06/2003. The delinquencies on our credit were from that time.  Since then we have had no late payments and have established new credit. I have worked for the State of Washington for 17 years and my wife has been in the accounting field for 15 years and currently works for Thurston County.   Our Employers give annual raises.  Our expected AGI this year is over $100,000. My wife is due for a 4.6% raise in January and I will receive my raise of 5% in February and then and additional 10% in July 2007. 
Here is my budget of monthly income and expenses:
My base pay is $4315.
Wife’s base pay is $3100
She gets child support of $920.
Total $8335. – taxes =$6732.  
Debt/Payments
$1556 1st mortgage
$462 2nd mortgage
$287 truck payment
$300 Prosper Loan
$270.00 Utilities
$300 Auto & Quad insurance
$160 Visa
$200 internet, phone and cable
$200.00 Cell phones
$78.00 Student loans
$255 Quad payments
$474.00 Auto loans
$450.00 Credit Cards will be paid off with prosper loan
$84.00 medical payment
$5076
TOTALCash flow $6732 - $5076 = $1656
Monthly payments reduced with prosper loan $450 worth of credit cards.  Prosper payment $300.  This will increase our cash flow by $150.00.Total cash flow per month with prosper loan will be $1806.
As you can see I am a good credit risk and this loan will increase my monthly cash flow and my overall financial situation. Thank you for your time and consideration.