Frequently Asked Questions

Integration Financing With Bad Credit Score? There are numerous ways to deal with credit card debt difficulties when you’ve got less than perfect credit.

Integration Financing With Bad Credit Score? There are numerous ways to deal with credit card debt difficulties when you’ve got less than perfect credit.

One of many items that people may take benefits in is the fact that many individuals with credit debt trouble do have poor credit. For this reason you can find options available for people who have credit score dilemmas. However they are there consolidation financial loans available with a poor or poor credit score?

While there may be many choices offered, there is certainly one option that renders feel. Anyone pick debt consolidating financial loans because their preferred way of dealing with overwhelming personal credit card debt. But there are many main reasons why you should prevent integration loans and go with the better alternate of debt negotiation.

– The Issue Remains Intact

Debt consolidation reduction takes your own bank card balances and moves them from a number of records into one profile. The action that will be missing out on may be the step that addresses the particular balance you are obligated to pay.

With an integration program, you may not start cutting your obligations until such time you beginning paying on it. With debt settlement, step one try negotiating payoff quantities on the credit score rating accounts and lowering your loans to a fraction of your balance.

– Credit Check Required

a debt consolidation reduction mortgage are a typical mortgage that needs a credit check one which just become approved. In case the credit are terrible, then you may not become approved for a combination mortgage after all, or you would get approved for a loan with a really high interest rate (25 – 35percent APR). Neither one of those effects actively works to the profit.

Everyone can incorporate a settlement program as there are not any credit rating requirement. a credit card debt negotiation program could be the ideal answer for those who have bad credit because your credit rating doesn’t have anything regarding the way your own plan is actually structured. Your debt payment pro is only contemplating their bank card accounts and exactly how they could be lower.

– Costs

Any credit card debt relief program will probably set you back revenue. However with debt consolidation, you’ll ramp up paying financing handling costs, highest month-to-month services costs and you may continue to pay interest in your credit card debt. If you accumulate the fees you have to pay on a consolidation loan, you are likely to start seeing that you will be having to pay extra to have the loan than you did to transport the different charge card account.

As soon as you choose the best debt settlement team, you will only pay for this service membership when it’s effective. Irrespective of a low month-to-month solution fee, your own payment is dependent on your reward bills. There’s no additional interest put onto their scales, and you don’t need to spend any financing control charges.

– Time

One of the reasons the reason why people with poor credit score choose debt consolidation loans is simply because debt consolidation reduction enterprises disseminate the loan money over a long period, to ten years that assist reduced the monthly premiums. The difficulty with that strategy is that you crank up paying rates of interest costs on up to 10 years of consolidation financing payments.

A settlement program applied by a skilled and pro organization will take between 24 to 48 several months to complete. Should you decide implement certain funds you may be save each month by having the debt reduced, you’ll be able to pay that balances of on an even more accelerated timetable.

– The Complete Processes

a debt consolidating process includes grouping your debt with each other, identifying the amount of money you will need to use to pay for that merged stability lower then shopping around to help you get a loan. The debt combination businesses put the potential for your debt going back open performing nothing to address the center financial obligation and expenses dilemmas.

a debt consolidation organization try a professional credit card debt relief team that is practiced in aiding men and women to obtain obligations in order and develop good investing habits. It’s not adequate to simply push debt around right after which add more interest to that loans online installment loans Iowa by putting in into a loan. That doesn’t assist their techniques. With debt settlement, you receive a full credit card debt relief procedure that reduces your financial troubles and teaches you steer clear of they as time goes on.

When people bring poor credit scores, they sometimes think compelled to bring worst deals with combination financial loans that have large rates and rehearse highest monthly charges. The truth is that debt consolidation are a much better choice for people who have bad credit and a debt payment professional can assist you to lessen your personal debt in as little as 24 to 48 months.

We’ve got skilled financial gurus on workforce who happen to be would love to guide you to lower your personal debt through the debt consolidation processes. Try to let our debt relief specialist utilize you to definitely develop your detailed personal debt visibility and build a plan that will work. Make a quick call and contact us today to get started on best debt settlement regimen for your family. Let us clarify exactly why consolidation loans with an awful credit rating aren’t an intelligent solution to pay down your unsecured debts.

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.