For me, Prosper's PCOCT have still resulted in a negative return. Three months after AmSher got a collections payment for me, Prosper reversed it, claiming it was an NSF and that there was no deadline on reversing it.
So I tend to see their efforts as collecting from lenders to deadbeat borrowers.
I also had a loan that was making partial payments and abruptly stopped right after Prosper charged it off (and didn't sell it to a JDB as in the Lender Registration Agreement).