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<%@ page import="java.net.*"%> <%@ page import="java.io.*"%> <%@ page import="javax.xml.parsers.DocumentBuilderFactory"%> <%@ page import="javax.xml.parsers.ParserConfigurationException"%> <%@ page import="org.xml.sax.SAXException"%> <%@ page import="org.w3c.dom.*"%> <%@ page import="java.util.*"%> <%! // The following code was graciously provided by Armond Avanes (http://www.armondavanes.com) private String tla_ads( HttpServletRequest request, HttpServletResponse response ) throws IOException, ParserConfigurationException, SAXException { // Number of seconds before connection to XML times out // (This can be left the way it is) int CONNECTION_TIMEOUT = 10; // Local file to store XML // This file MUST be writable by web server // You should create a blank file and CHMOD it to 666 String LOCAL_XML_FILENAME = "local_239861.xml"; String INVENTORY_KEY = "9O2U8RK1TZBZWIW985HV"; File localXmlFile = new File( getServletConfig().getServletContext().getRealPath(LOCAL_XML_FILENAME ) ); if( !localXmlFile.exists() ) { return( "Script error: " + localXmlFile.getName() + " does not exist. Please create a blank file named " + localXmlFile.getName() + "." ); } if( !localXmlFile.canWrite() ) { return( "Script error: " + localXmlFile.getName() + " is not writable. Please set write permissions on " + localXmlFile.getName() + "." ); } if( localXmlFile.lastModified()<(new Date().getTime() - 3600*1000) || localXmlFile.length()<20 ) { String request_uri = (request.getRequestURI()!=null) ? request.getRequestURI() : ""; String user_agent = (request.getHeader("User-Agent")!=null) ? request.getHeader("User-Agent") : ""; URL url = new URL("http://www.text-link-ads.com/xml.php?inventory_key=" + INVENTORY_KEY + "&referer=" + response.encodeURL( request_uri ) + "&user_agent=" + response.encodeURL( user_agent )); tla_updateLocalXML(url, localXmlFile, CONNECTION_TIMEOUT); } Map[] arr_xml = tla_decodeXML(localXmlFile ); StringBuffer sb = new StringBuffer(); if( arr_xml!=null && arr_xml.length>0 ) { sb.append( "\n

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"); } return sb.toString(); } private void tla_updateLocalXML(URL url, File file, int time_out) throws IOException { file.setLastModified( new Date().getTime() ); String xml = file_get_contents_tla(url, time_out); if( xml!=null && !xml.trim().equals("") ) { FileWriter fw = new FileWriter(file); fw.write( xml ); fw.close(); } } private String file_get_contents_tla(URL url, int time_out) throws IOException { URLConnection urlConnection = url.openConnection(); //urlConnection.setConnectTimeout( time_out * 1000 ); //urlConnection.setReadTimeout( time_out * 1000 ); InputStream is = urlConnection.getInputStream(); StringBuffer content = new StringBuffer(); int ch; while( (ch=is.read())!=-1 ) content.append( (char)ch ); is.close(); return content.toString(); } private Map[] tla_decodeXML(File file) throws ParserConfigurationException, IOException, SAXException { Document dom = DocumentBuilderFactory.newInstance().newDocumentBuilder().parse( file ); Node linksRoot = dom.getFirstChild(); NodeList links = linksRoot.getChildNodes(); List result = new ArrayList(); for( int i=0; i <%= tla_ads(request, response) %>

Answers to the most frequently asked questions about debt consolidation

I am deep under the pressure of loans. What should I do?

Debt is something that happens to everyone at some point or other for any number of reasons like a sudden sickness, rising medical bills, loss of employment, or just due to spending beyond means. The most important thing here is to avoid making your situation grow worse.

You can solve the problem gradually through budgeting, credit counseling, loan management, or even bankruptcy as a last resort. Which one will work for you? That is something that depends on the size of your owed amount and how you plan for your future financial needs.

For a start, get in touch with your creditors if you are unable to settle your bills. It is always better to tell them about your difficulty in keeping up with your payments. You can probably negotiate with them for reduced payment plans. This will help you keeping your credit rating from worsening.

Can a debt consolidation loan help me solve my cash problems? How can I find out?

It depends on the size and nature of your dues. For some people, this finance option works out perfectly, resulting in control over the owed sums. What you need to do is understand exactly what loan management is, how it works and how it will suit your specific situation.

I thought a debt consolidation loan is something with which all my bills can be paid.

That is incorrect. It works in a similar fashion as does a second mortgage on your home.

I have heard that the monthly payments can be reduced with the help of a loan management program. Is that true?

Yes. Taking into account what your current monthly payment is, and the time that you need to repay the dues, you can get a reduction of even as much as 75%.

Is there a limit to the loan control amount?

How much you can borrow depends on several criteria like your income, the equity on your property and how much you can afford to pay on a monthly basis.

How much time can I get to repay my borrowed sums back?

You will need to decide this based on how much you can afford to pay each month. So you could become fiscally free in as early as three years or up to more than 20 years.

Is it compulsory that I use the credit card dues control amount only for owed sums or for other things as well?

Your priority must be reducing your taken amounts. However, when you put all your current debts together, you might be able to release money for other purposes as well. So if you plan to buy a new car, go on a holiday, or get a home makeover, you could use the sum for that. But ensure that you do not get deeper into a financial mess.

What will happen if I lose my job or have an accident?

You can go in for optional accident, sickness or unemployment cover, in addition to life insurance.

Can debt consolidation affect my credit score?

If you have been in a cash problem, chances are your credit rating has already taken a beating. Your creditors will register that you have defaulted on your payment if you do not keep up the terms of your credit agreement. This will be on record for 6 years.

What happens when I get in touch with an online owed sums control company?

Usually after you fill in the contact form, and someone from the company will get in touch with you to assess your situation. An appointment will be fixed up during which you can arrive at a suitable solution. You are in no way obliged to take up the offer. You will be asked to produce information about all your creditors and amounts owed, your income and expense details, details of mortgage and secured loans, hire purchase agreements and leases you hold, maintenance and other payments and details of county court judgments, if any.

Will I face the risk of losing my home?

Suppose you have a mortgage on your home, it will be taken into account to arrive at how you are capable of paying your unsecured creditors. So this will ensure that there is enough money to continue to pay for your mortgage. Stick to it, and you should have no problem.

Why can't I settle my credit card dues issues by myself without the help of a loan management company?

You can settle your accounts by yourself. But debt consolidation companies are experts at getting you a better deal.

Answers to the most frequently asked questions about debt consolidation

Suggested Reading

Mortgage Loan Debt Consolidation - Oct 04' 2008

California Debt Consolidation Help- Effective Ways To Eliminate Your Debt - Aug 28' 2008

Find Debt Consolidation Help By Taking The Online Route - Aug 23' 2008

Not A Homeowner? Don't Worry, Go For A Debt Consolidation Loan Without Mortgage

How To Go About Debt Consolidation