今、自己破産の手続きを弁護士さんに依頼して、やっています。

質問と回答
  • 今、自己破産の手続きを弁護士さんに依頼して、やっています。 持ち家も無く、車も古く、財産価値の有る物も特になく、預金も数万程度だったので、同時廃止の予定だったのですが、過払い金が140万程有ることがわかり、少額管財事件扱いになりそうです。質問ですが、現金が99万以下だと返済に回さなくてもいいのですが、過払い金140万は、全額債権者の返済に充てなくてはならないのですか?それとも、99万を超えた分を返済に充てるのですか?弁護士費用や管財人費用など、60万位は掛かりそうなので99万は手元に戻ってくると助かるのですが。
  • 自由財産拡張が認められれば手続きに要した費用を差し引いた過払い金の残額が、自由財産の限度(基本は99万まで)において戻ります。限度を超えた分は債権者への配当に回ります。自由財産拡張が認められるかどうかは債務者の状況や管財人次第なので「確実に戻りますよ」なんてことは言えません。代理人に見通しを聞いてみてはいかがですか?

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