任意整理について詳しい方宜しくお願い致します。

質問と回答
  • 任意整理について詳しい方宜しくお願い致します。 生活が厳しくなってしまったため先日弁護士さんとの話し合いをし、任意整理をお願いしてきました。 銀行ローン70万 毎月28000円 カード30 万 毎月8000円 カード10万 毎月9000円 カード30万 毎月10000円 以上4社を任意整理の対象とし、弁護士費用として総額21万円を毎月35000円で払うことになりました。 (着手金と報酬がすでに含まれています) これは妥当な金額でしょうか? あと任意整理をすべきだったのかをお尋ねしたいです。 現在手取り約16万でそのうち家賃5万、光熱費1万、食費1万、奨学金13000円、携帯1万、借金返済4社合わせて約55000円 と言う生活を送っていました。 銀行ローンは3年で契約し残り2年で金利14% カード会社は全て金利18%で1社は5年間借りたり返したりをし、残り2社は1年しかたっていません。 なので過払い金はないと言われました。 任意整理は正解でしたでしょうか? 情報足りない部分ありましたら追加致します。 宜しくお願い致します。
  • 過払い金があったりすると弁護士・司法書士に依頼する方が いいと思いますが、この場合の任意だと、 利息免除で元金のみ毎月5千円~1万円とする・・・ もしくは元金先入れ方式に変更というような和解に なると思いますが、これは個人でも出来ますからね。 弁護士費用分だけ損をしますね。 過払い返還または破産・民再・調停等裁判所がからむ事案だと 弁護士費用をかける意味もあると思いますが・・・

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