Frequently Asked Questions

The other day, one of the consumer proposal customers was given an email from a payday loan provider labeled as Cash 4 You

The other day, one of the consumer proposal customers was given an email from a payday loan provider labeled as Cash 4 You

Here is the difficulties: our very own customer is already in a buyers suggestion, which means, this loan to profit 4 You had been contained in their own filing and so not has to be addressed not in the proposition. It is possible to determine from the deferred cost go out granted () inside arrangement that the mortgage try out-of-date, though this contract had been sent on .

One of the numerous advantages of processing a consumer proposition is truly legitimately joining for all the debtor causing all of their unique lenders. With few exceptions (support repayments getting an example) no unsecured creditor is actually excluded from the insolvency process, which should be reasonable to all the events. During the suggestion lenders were stayed from enforcing range. When your offer is finished, the debt try released and forgiven.

But, profit 4 your sent this communications in any event therefore was not the sole example. Some more of our offer people which once borrowed from finances 4 you’re delivered the same loan modification contract.

We have been suggesting the consumers to ignore mortgage loan modification e-mails from any payday lender, assuming the lending company ended up being informed of these customers offer or bankruptcy proceeding. Consumers can get in touch with her Trustee if they have any issues nor experience the lending company directly.

getting as well severe. Cash 4 you could have genuinely come unaware of one’s customer’s suggestion updates. It could be which they wouldn’t work any strain through her e-mail listing to exclude people who would not are obligated to pay. In any case could be, the correspondence caused plenty of misunderstandings and worry to your customers.

But We have another objection the spot where the lender cannot plead lack of knowledge. But 1st, here are the rest of the regards to the mortgage modification contract:

But we simply take fantastic problem using the fact that none in the users with this mortgage loan modification supplied their particular permission to it. Cash 4 You consumers couldn’t proactively e-mail the firm to inquire about when it comes down to deferral defined within the document. This arrangement got sent in a standard email great time.

I’d believe this loan modification agreement was just one more illustration of the predatory nature of payday loan providers. They make more cash if borrowers defer a debt payment. With less of the loan main paid down, and higher interest accruing have a glance at this web-site, finances 4 You tends to make really serious money, while taking advantage of their unique consumers’ precarious income problems.

However they are truthful. Predatory, but truthful. They do not hide the bigger price of deferment from their clients. They do say it inside the terms that the deferral period a€?will reduce steadily the amount that will be applied to get rid of your principal balance on your after that payment and probably subsequent payment(s), that’ll hit your own cost of borrowing (as put down above).a€?

Should you are obligated to pay funds to a payday loan provider at the time of submitting a proposal, this financial obligation is included within proposal

Whatever they hope for is the fact that the borrower won’t self the offer and does not get in touch with them for the 10 times they offer for issues. The key merchant is the fact that a deferral emerges at all in an exceedingly hopeless opportunity. In reality, payday loan providers usually tempt individuals with close customer care.

If an online payday loan wasn’t already a headache to repay, this deferral helps to make the repayment process that a whole lot more burdensome for borrowers. And earnings 4 You knows of this.

And considering the earnings scarcity their clients already face; these are typically expected to defer

If you are battling to repay payday loan debt, it’s not necessary to keep borrowing which will make stops satisfy. You’ll be able to end your debt pattern by speaking to a Licensed Insolvency Trustee near you about choices to build genuine debt settlement and a new monetary beginning. We have now supply all services via mail, cellphone, and movie cam. Have a no cost, private assessment now.

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.