多重債務者、カードローン数社、クレカリボ払いとキャッシン…

質問と回答
  • 多重債務者、カードローン数社、クレカリボ払いとキャッシング満額使用済数社、総額600万程はあると思います。ローンはすべて1年未満で過払い金は適応にならないと思います。返済額が大きくなり、支払い日もバラバラ で、先月より滞納することになりました。任意整理を早急にしようとアヴァンス法律事務所に連絡したところ電話でどんどん話がすすみ、任意整理の場合毎月10万のお支払いになります言われました。相談費用は30万程で6ヶ月でだいたい和解できるのでそれまでに分割で収めてくださいと言われました。しかし和解が3ヶ月で終わるところもあるのでその時は相談費用と返済費用合算でお願いしますと言われました。お金の返済に困って相談してるのですがかなり厳しい返済額で困っています。どこの事務所もこのようなものでしょうか?どこがいいのか全然わからなくて、督促もきてるので早く相談に行きたいのですが、任意整理された方、どこか紹介していただけませんでしょうか?よろしくお願いします。借金をしてしまったのは自分でそれだけ払うのは当然だろうって言われるのも覚悟できてますが、傷心してますので、できれば中傷は控えてください。 真剣に悩んでいます。
  • 俺は過去に任意整理した経験ありの者だけど破産した方がいいよ。素直に。 額がでかすぎだし支払いに当てて生活やっていける? どうせ任意整理したところでかなり困窮するだろうし滞納すりゃ期限利益の喪失で一括請求される可能性あるし、場合によっちゃ破産しなきゃいけない。 それと個人的にはチェーン店みたいな弁護士事務所は信用出来ない。費用もでかい。 誰かの紹介で弁護士を教えてもらえると安く済む場合もある。俺がそうだったから。

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