Frequently Asked Questions

Arizona Debt Relief: The Guide to State Guidelines and Managing Loans

Arizona Debt Relief: The Guide to State Guidelines and Managing Loans

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Arizona, the Evergreen county, the most breathtaking areas of the entire country by way of the diverse landscape of woodlands, hills and ponds. But it is difficult benefit from the vistas if you are among the numerous Washington State people dealing with obligations. As a result of the state’s costly cost of living, even people with a top income can encounter financial troubles.

The laws for personal debt tend to be put during the condition stage, so it is imperative to understand the Washington-specific laws and regulations. That way possible best bargain with lenders and produce an agenda to settle the costs. Whether you need let handling recent loans or you would like to comprehend the formula, this informative guide covers what you need to see for Arizona debt relief.

Financial obligation in Arizona: At a glance

How might Arizona compare with the rest of the nation with regards to debt? Here is in which they positions from inside the popular classes.

Arizona citizens have one associated with the finest amounts of financial obligations in the United States. This will make sense, considering the state’s red-hot housing marketplace this contact form. Credit card debt is also regarding the high side, but Washington residents have reasonably reasonable levels of auto loans and student education loans. One issue, though, usually Washington people watched an important escalation in every class since 2017.

Commercial collection agency in Arizona

If you fall behind on spending that loan and other bill, the collector will 1st attempt to get that revenue themselves. However, if you are going long without creating a payment, it may go that personal debt to a group institution. Credit card issuers and banking institutions generally hold off 180 times before sending to series but the period of time is dependent on the organization.

Collection agencies’ main work is actually gathering payment on an outstanding loans. Since that is their particular comprehensive focus, capable bring quite hostile with their continue, which is why the government has actually moved in to regulate.

In Arizona, their state collection agencies legislation is named RCW 19.16, and it also outlines the method for how these businesses can respond. Whenever the debt collection service first contacts you, it must follow these procedures:

  1. It needs to provide the identity and target, along with the title of the initial collector. The institution need to be approved to use in Arizona.
  2. The debt collection service must tell you, written down, how much you borrowed your earliest financial obligation, with any extra interest and costs.
  3. At long last, it ought to tell you that you’ve got the directly to argue the debt, if you were to think it really is gathering on things that you do not are obligated to pay.

From that point on, the range company can get in touch with you a maximum of 3 times weekly, by phone or by mail, and only one of those calls could be as long as you’re working. The debt collection agency can contact you or your attorney. If you don’t have a legal professional, the company can get in touch with other folks to learn your area or run, nevertheless the service cannot tell them about your financial obligation.

It is possible to query to set up a limited installment policy for the debt nevertheless collection institution shouldn’t have to recognize this choice. If you don’t pay the debt, the range department might take you to court to try to get repayment and/or it could notify the financing revealing bureaus concerning your personal debt.

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.