My payments which Prosper 1099'd were $9.01, the amount Prosper has doled out to me for the ch 13 bk where Prosper didn't file a proof of claim. For anyone new to that, I contacted Prosper to find out the status of bks which were never marked as discharged. Prosper said oops, we didn't file a proof of claim and this one is on a 5 year repayment plan. So, Prosper is paying lenders on that 5 year plan. No other collections from the crack collection agencies. So, as with moth and rust, my experience is that collections are dependent on our catching Prosper or our borrowers wanting to do the right thing.