自己破産、個人再生をせず、任意整理~和解交渉のみで長期返…

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  • 自己破産、個人再生をせず、任意整理~和解交渉のみで長期返済することは可能でしょうか? カードローン、ショッピングで500万円を超える借金があります。現在弁護士事務所に債務整理を依頼して、弁護士費用の積み立て中です。あと2回の支払いで積み立ては終わります。金額が多いので初回の相談時(面談は初回1回のみです)に自己破産をすすめられましたが、それができない理由をお話しして、まずは任意整理してどれくらい減額できるかやってみましょうということになり契約しました。弁護士費用の支払い後に返済が始まるよう時期を調整するとのことでしたので、その後半年間がありませんでした。先月弁護士さんからお電話をいただき、金額が多いし、利子もそんなに高くないから、やはり自己破産したほうがいいと言われ、とりあえずはそのために必要なことを確認してくるよう事前に指示されました。 委任契約書では任意整理を委任しているのですが、話の内容から察すると資料だけ集めて、過払い金の請求はまだしていないようです。 その後3週間が経過し、こちらからは連絡をしていませんが、弁護士さんからも連絡がありません。その間にもう一度自分の意思を確認しました。 「自己破産、個人再生はせず、できるだけ減額してもらい、時間がかかってもコツコツと返済する」のが私の出した結論です。そのための交渉をしてもらえるならば、現在の弁護士さんに引き続きお願いしたいと思いますが、自己破産をただただ、すすめてくるのであれば、解任もいたし方ないかと思います。いずれにしても今の弁護士さんに一度は会ってこちらの意思を伝えなければならないのですが、予想外の展開に、次の一歩をどう踏み出せばよいのか悩んでしまい、ここへきてはたと立ち止まってしまいました。 私と同じような状況で長期間で借金を返済された方、今後今の弁護士さんにどう意思表示をすればよいのか、あるいはそういうケースにご助力いただける弁護士さんの探し方等、どんなことでも構いませんので是非皆様のお知恵を拝借できたらと投稿させていただきました。 なお、私自身はサラリーマンで多くはありませんが安定した収入がありますので、コツコツ返済して完済することはけっして不可能ではないと考えております。何卒よろしくお願いいたします。
  • 任意整理であれば、無利息で3~5年分割位での支払いになるかと思います。引き直し計算で負債が圧縮するのか不明ですが、仮に圧縮しないのであれば、月々8万~13万 強の支払いになるのではないでしょうか。

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