Frequently Asked Questions

Why should you Stop Payday loans at all costs

Why should you Stop Payday loans at all costs

Pay day loan are Harmful Here’s Exactly why you Cannot Use them Have you ever required fast access so you’re able to dollars you do not features? During these scenarios, cash advance are often named the solution. Private branches share with you pay day loan within the condition that the borrower pays him or her right back eventually, to their next […]

Large Costs and Rates of interest

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The maximum fee you can be charged in Ontario is $15 per $100 borrowed (typically for a two-week period). If you do not pay the balance owed, including the fee, on the due date, you will incur interest charges and further fees. The interest rate is limited payday pawn Redford MI to 2.5% per week. As a result, the fees and interest charges can accumulate very quickly.

Such prices tend to be higher than those found off their sizes of fund. A bank loan, credit line, overdraft defense, and you will credit cards pay day loan create be inexpensive options.

Quick Cost Attacks

Payday loan are risky because of their intimate percentage due date. Consumers tend to guess they are able to get the cash to spend straight back the finance timely, but timely-addressing due dates cannot leave place for error otherwise issues.

You’ll likely Get Swept up when you look at the a loans Period

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Unfortuitously, it’s extremely common to own borrowers to fall with the a debt years. Borrowers whom be unable to pay its loan are faced with costly notice costs, which can be, therefore, tough to pay off. In such a case, the mortgage, first supposed to be a primary-name purchase, produces a seemingly never ever-end black hole regarding personal debt.

They might Require Head Withdrawals from your Membership

Usually, loan providers will demand you to let them simply take pre-authorized distributions from your own chequing account. This will merely add to the aggressive character in which such enterprises will collect payments.

Debt settlement Alternatives for When you get Buried with debt

Of numerous individuals turn-to payday loan while they think these types of money try their sole option. In reality, you’ve got additional options which can be safe than cash advance.

Debt consolidation

Debt consolidating is actually a process that do exactly what the title indicates: it consolidates lots of small funds towards the that highest mortgage. These types of money are approved because of the financial institutions otherwise borrowing unions. Significantly less than debt consolidating, you make one to monthly payment, rather than adopting the statutes put by several lenders you can get are obligated to pay.

Case of bankruptcy

The case of bankruptcy process is actually an appropriate processes demonstrated in the a federal statute called the Personal bankruptcy and you can Insolvency Operate (BIA). The mission should be to promote Canadians from inside the significant economic stress, a legal, reasonable and you can prompt method of getting away from financial obligation and also to have a financial initiate. The actual only real positives subscribed to help you try Registered Insolvency Trustees (LIT).

User Offer

A consumer Proposal is an appropriate processes during the settling an agreement within borrower and their loan providers where in fact the financial institutions usually agree to forgive an element of the financial obligation, due to the fact debtor agrees while making an easily affordable payment to the the balance more than a predetermined several months. This could indicate less repayments, reduced payments, or an extended due date. This type of repayments are designed to an enthusiastic Lit, who administers the consumer proposal pursuant towards provisions regarding BIA.

If you want money urgently, you will be obligated to remove an instant payday loan. Just before doing this, you will know the consequences of taking out finance such as these, as they are attached to small cost periods, steep charge and you may desire costs, and an entrance towards a never-finish cycle regarding financial obligation.

Baker Tilly Ottawa Ltd. is actually an authorized Insolvency Trustee and you will Consumer Proposal Officer. Its advantages enjoys aided countless people efficiently look after the debt crises and you may defeat financial disorder since 2002. The welfare their objective is the health insurance and really-becoming!

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.