Frequently Asked Questions

A large profit to making use of a debt consolidating financing is actually generating the repayments more manageable

A large profit to making use of a debt consolidating financing is actually generating the repayments more manageable

Whenever you are thinking about your alternatives and thinking about credit card debt consolidation, you need to make certain you comprehend several things. One, you still owe the exceptional balances. Credit debt integration is the process of simplifying the loan and debt condition, but it doesn’t signify that loans disappears immediately. Credit debt combination merely integrates all the debt into one easy mortgage and will make it a little more workable to help you give attention to spending that personal debt off. For a lot of, this is a tangible option to approach exceptional debt and also move ahead.

Was Debt Consolidation a Good Idea?

By merging anything into one loan, you eliminate the complications of producing numerous payments through the entire month, each with the own charge.

In the event that you combine credit debt, you can also continue the repayment cycle, which, therefore, helps make the installments reduced. For most people, it could be a game-changer. The reduced the installment, the much more likely you will stick to it.

  • As soon as the number of credit to keep track of is intimidating. Once you get rid of the hassle of obtaining lots New Mexico auto title loan of debts, it feels as though a weight has become raised off the arms.
  • If you have high-interest rates credit cards. Combination can be directed at reducing the quantity you only pay for interest with a lower-interest financing.
  • When you yourself have a detailed plan of action. a debt relief company pops up with a customized program that can address your financial fight. The payment technique will cover every thing a€“ from latest words along with your lenders to recommendations for the investing behavior.

Debt consolidating for Good Fico Scores

Your credit score is key to any loan, and mastercard consolidation is not any different. Your own get support creditors to determine your own creditworthiness, indicating just how probably you may be to pay for the loan right back. The higher your score, the greater amount of positive creditors is in your economic know-how.

Rates of interest on debt consolidation reduction loans change significantly might contact as high as 35per cent. It is only reasonable to think about low-interest financing that will be useful compared to your rates of interest. The good news is if you have a higher credit score, ideal debt consolidation strategies were booked on their behalf.

Since one of the greatest benefits associated with consolidation is actually cutting your interest, guaranteeing to ultimately achieve the lowest price possible. Fortunately that a credit credit card debt relief providers is far more more likely to bargain excellent terms and conditions for those who have a good credit score results. Finally, a higher credit rating supplies a safety pillow should the newer arrangement briefly destroys your record.

Debt consolidating for Poor Credit Score

It’s a good idea that individuals with exemplary credit have the ideal terminology. But people who have typical or less than perfect credit results continue to have an opportunity to become approved. Here are methods shall help you become debt consolidating loans for poor credit:

  • Look at the credit file a€“ You may learn some erroneous records or inaccurate missed repayments. Even when the errors inside document include insignificant, they’re able to really make a difference when you look at the result.
  • Create a co-signer a€“ in the event your prospective co-signer’s credit history goes beyond your own website as well as say yes to help you out, you’ll be eligible for a lower life expectancy rate.
  • Boost your debt-to-income proportion a€“ Lenders often utilize this metric to evaluate your ability to settle financing. If one makes this figure more inviting in their mind, your chances of best words is greater.

If you opt to go after a debt consolidating loan, keep in mind that never assume all financial loans are manufactured equivalent. You don’t want to be studied advantage of simply because you have got a terrible credit score. A professional will select the right one possible so as that everyone can take advantage of integration.

What is Telemedicine?

Telemedicine is a service which allows health care professionals to evaluate, diagnose and treat patients using telecommunications technology.

Why should I use GoLiveDoc?

GoLiveDoc offers 24/7 medical consultations with board-certified doctors. You can use our platform from where you live, work or when you travel in the US. We also offer 24/7 behavioral health counseling for no additional fee. Health records are kept private and secure in order to protect your personal information.

How does GoLiveDoc Help?

GoLiveDoc gives you 24/7 access to board-certified doctors through secure online video or phone consultations – anytime, anywhere. GoLiveDoc is a low-cost, convenient alternativ e to Urgent Care visits or waiting several days to get an appointment with your Primary Care Physician for non- emergency medical conditions. Our doctors can diagnose your symptoms, recommend treatment […]

What happens after I complete the checkout process?

Once you have selected your plan and completed the checkout process, you will receive an email with your login credentials for the customer portal. You can use the customer portal to schedule appointments, update your electronic health records, see your consultation history or add dependents to your account.

How much does GoLiveDoc Cost?

The monthly membership fee ranges from $9.95 to $39.95 (depending on the plan you choose). The consultation fee is only $35. You can cancel your membership at any time for any reason.

If I have insurance, do I still need to pay the membership fee?

GoLiveDoc charges all members a small monthly fee.

How do I cancel my membership?

You can cancel your membership at any time for any reason. To cancel your membership, please call (888) 386-1037 or send an email to [email protected]

Does a patient have to meet with a provider in-person before a telemedicine consultation can be scheduled?

No, an in-person visit is not required before a visit can be conducted via telephone or video.

What does GoLiveDoc Treat?

We treat a variety of medical conditions. Common conditions we prescribe medication for are Cold & Flu, Pink Eye, Skin Irritation/Rash, Urinary Tract Infection, Diarrhea, Stomach Virus, Fever, Headaches and Sore Throat.

Are there Medical Conditions GoLiveDoc Cannot Treat?

There are some medical conditions that our doctors are unable to treat, including but not limited to: Broken Bones, Chronic Diseases, Erectile Dysfunction, Genital Herpes, Hair Loss, Hot Flashes, Premature Ejacuation, Smoking Cessation, STD Testing.

Can I be turned down for a pre-existing condition?

No, members are not turned away because of pre-existing conditions. GoLiveDoc is not an insurance.

Can GoLiveDoc Treat Emergencies?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Is GoLiveDoc For Emergency Situations?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Can I use it for my family?

The primary member and 7 immediate family members or household members will have access to consults. 

Do I talk to “real doctors”?

Yes. Members only talk to actual doctors who are state-licensed family practitioners, primary care physicians, internists and pediatricians. When members request a consult, they will be connected with a doctor licensed and practicing in their state.

What Type Of Doctor Or Specialist Can I Speak With?

Members Can Talk To A Doctor Directly. Our Doctors Are Licensed In Internal Medicine, Family Medicine And Pediatrics. A Doctor May Also Provide Guidance On The Type Of Specialist A Member Should See.

Can GoLiveDoc prescribe medications?

Yes, GoLiveDoc can prescribe medication for non-controlled substances. A list of controlled substances can be found here.

Are there Medications GoLiveDoc Cannot Prescribe?

We do not prescribe controlled substances and medications that would require in-person examinations, e.g. Antidepressants, birth control, medical marijuana, stimulants such as Adderall and Ritalin, narcotics or sedatives. Our Counselors cannot prescribe medications for mental health purposes.

Does GoLiveDoc Offer Access To Mental Health Professionals?

All Membership Plans Include 24/7 Behavioral And Mental Health Counseling. All Of Our Counselors Have A Master’s Degree And At Least 12 Years Of Experience.

Is there an extra fee to access mental health professionals?

There is no additional fee to speak with mental health professionals.

How does GoLiveDoc handle bloodwork, imaging, labs and other tests?

You can upload all bloodwork, imaging, labs and other tests to our secured portal for our doctors to view to help with diagnosing and treating your medical conditions.

Is My Electronic Health Record Kept Private?

Health Records Are Kept Private And Secure In Order To Protect Members’ Personal Information. Only Members Can Determine Who Can See The Information In Their Records.