彼氏の借金についてです。

質問と回答
  • 彼氏の借金についてです。 最後に返済してから約10年放置していたそうで、現在↓ ・A社…キャッシング約30万 ・B社…キャッシング約50万(利息+延滞金が約60万) ・リボ…約25万(手数料13 万) ・C社…キャッシング約50万 これは、債務整理をした方がいいのでしょうか… B社については利息の方が高くなってしまってます。 C社については、一度裁判所に呼び出された手紙を無視したら、弁護士から手紙がきて、元金だけで月どれだけなら返済できるのかという手紙が来たそうです。 それを返信して、月四千円ずつ返済と決めて数回返済した後また放置していたそうです。 C社からくる現在の手紙は、「電話くれたら相談のるから」という内容のもので、元金のみ書いてあります。利息や損害金は0円と書かれてます。このC社はもう元金のみと考えていいのでしょうか? 私はあまり詳しくないのですが、この場合もうATMで月々返済してくのは無理ですよね?その場合、債務整理以外思いつかないのですが… また、借りてから数回しか返済してないみたいなので、過払いなどはないと思うのですが… 詳しい方、知恵を貸して頂きたいです。 質問と関係ない回答はやめて下さい。
  • はじめまして。債務整理の経験者です。 債務整理の方法にはいろいろな方法があります。リスクの大きいものから、自己破産ー個人再生ー特定調停ー任意整理といったところでしょうか。 私の場合は会社の代表をしており、借金の総額が大きかったため(約5000万円)自己破産しました。 簡単にそれぞれのメリットとデメリットを紹介しておきます。 自己破産:借金はすべてゼロになるが、マイホームやマイカー、高級宝飾など価値の高いものは取り上げられて、債務者への返済へあてられる。 個人再生:借金は5分の1にまで圧縮されて、3年あるいはどうしても理由がある場合は5年で圧縮された債務を返済する。財産は守られる。弁護士への依頼が必要 特定調停:債権者と債務者の間に裁判所が間に入って調停をしてくれる方法。過払い金があれば、元金の減額にあてられるが、質問者さんは過払い金もないようなので難しいか。 任意整理:裁判所を通さないで、弁護士や司法書士が債務者の代理になって、債権者と交渉し、債務の支払い方法について調整をしてくれる方法。過払い金があれば返済が半分くらいに押されられたということが多いようだが、これも難しいか。 質問者さんの場合160万円あまりですから、それほど大きな借金ではないので、司法書士や弁護士に入ってもらって、任意整理で毎月の支払いを軽くする方法がいいのではと思います。 インターネットでは債務整理について、いろいろな無料相談があります。 私は自己破産をしましたが、殆どリスクなく自己破産をすることができたのは、いろいろな無料相談を利用して、債務整理について勉強したからです。 私がいろいろな弁護士や司法書士に相談する様子を、こちらで紹介してますので、よろしければご覧ください。http://saimu-seiri-taiken.com/

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