Frequently Asked Questions

Or even the financial could possibly get attempt to take some in your home to generally meet the newest wisdom

Or even the financial could possibly get attempt to take some in your home to generally meet the newest wisdom

At the same time, the vehicle get sell for lower than the complete balance, interest, and you may costs due. This will be entitled an effective “lack.” The financial institution is not permitted to gather that deficit from you, nor do they really sue your for this. The latest exceptions to that try for those who: 1) purposefully destroyed, broken, otherwise hid the auto; 2) provided the financial institution a concept that currently had an effective lien facing they you failed to reveal; or step 3) offered other people a beneficial lien or sold a comparable car after you grabbed out the vehicle title loan, without the lender’s consent.

What can i perform in case your car name financial sues me? +

Very first, spend careful awareness of people hearing schedules otherwise deadlines in order to answer this new lawsuit. If you don’t safely address timely, or you skip a listening, you are going to most likely lose while the legal tend to signal up against your.

Next, you’re firmly motivated to label legal support or a private attorney as soon as you was offered files.

3rd, remember that all round code is the fact that the auto term lender isn’t permitted to sue your whether or not you are in default, but is simply for repossessing and you may selling your car or truck. (discover more than) You will want to improve this safety in your reaction to the suit.

4th, when your car term lender has a valid fit against you and gets a judge wisdom, of course you don’t pay the view, then the bank could possibly get make an effort to garnish Arizona title loans your investment returns or lender profile. If it happens, you may be in a position to allege area or any earnings, bank accounts, or assets just like the exempt within the laws. You ought to get in touch with legal services or an exclusive attorneys for folks who found find from garnishment and other tries to collect into wisdom.

What takes place if the a vehicle title financial holiday breaks brand new laws one control how they may efforts? +

The state Company Percentage licenses particular organizations and come up with car label financing in the Virginia. The new SCC kits the guidelines and you may rules below that they perform. The new SCC also can distance themself its licenses whenever they inform you a pattern away from breaking people laws and regulations.

You might also need the ability to sue the vehicle term financing company when they violate regulations. When you are profitable, the fresh courtroom may acquisition the business so you’re able to reimburse you for the attorney’s fees, pro experience fees, and court will set you back.

It’s a course step one misdemeanor for anybody to take part in auto identity lending without having to be securely subscribed from the Condition Business Payment. Brand new you can penalty is perfectly up to one year for the jail, a great $2,500 good, or both.

If you have an ailment up against a car or truck label financial institution, contact the brand new Agency out of Creditors toll-free, from the (800)552-7945. To find out more, select

It’s also possible to file a grievance to the Individual Economic Coverage Agency into the Washington, D.C., of the getting in touch with 855-411-2372. For more information, come across

When trying to collect the debt out of me personally, how ‘s the automobile name bank restricted to new government Fair Debt collection Strategies Work? +

This new federal Fair Debt collection Strategies Work (FDCPA) puts limitations on which debt collectors are allowed to manage. The fresh new Work always can be applied merely to people otherwise those people who are looking to assemble an obligations on the behalf of another financial otherwise collector. The simplest analogy happens when an obligations you owe are became out to a portfolio company to apply for percentage from your.

However the Virginia statutes regarding car label financing say that vehicles title loan providers have to follow the limitations and you can restrictions within the FDCPA regarding harassment otherwise discipline, untrue or misleading misrepresentations, and you may unfair techniques, in the event these are generally looking to collect by themselves money and you will haven’t turned it out to a portfolio company.

  • Make a vehicle label loan so you can an active person in brand new military or an established off a member of new army, plus those who work in brand new Federal Shield otherwise Supplies who happen to be to the active responsibility for around thirty day period.

How much notice and other costs must i become charged on the an automobile title loan? +

Inside 1 month following organization becomes their money from the newest deals of the vehicle, whenever they offered the automobile for more than everything you due, they have to make you any money left over after they subtract the principal and you will desire owed, along with sensible expenses off repossession, get yourself ready for income, and offering the auto.

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.