知恵をお貸しください。

質問と回答
  • 知恵をお貸しください。夫が現在3社から借り入れをし、借金が200万程あります。 現在私もまだ小さい子供がいるので働いていません。 夫は今年3月で会社を倒産のため解雇されて 私の実家で少ない家賃をいれ失業保険でなんとか生活を しています。 わたしも働くことを視野にしていますが、 月々の返済額が8万・・・この三社を一本化しようと おもっています。 そこで質問です。 ①借り入れを一本化するにあたって金利が少なく 信用できる会社はどこでしょうか ②過払い金請求をすると絶対的にお金は戻るのでしょうか ③過払い金請求をするにあたって弁護士などを立てると おもうのですがその際費用はどのくらいかかるのでしょうか ④過払い金請求をしてのメリット・デメリットを教えてください 無知でごめんなさい。私が借金というものをしたことがないので ここで質問させていただきます。 回答よろしくお願いします。
  • ①無職ではおまとめNG ②過払い払う体力あるなら回収可能、払えるのに払わないなら、他の回収方法が奏功する場合もある ③過払いは、業者から入金されること、サラ金相手なら一時的に延滞扱いや、専門家依頼は債務整理と信用情報機関に登録される場合あり、業者が過払いを認めたなら、完済とされます。 3月解雇、生活費も不足し、滞納しているのでしょう? 過払いは債務整理の結果です、デメリットより生活費を確保するのが肝心。 お近くの弁護士、認定司法書士にご主人が借金相談し、直接債務整理の資格者と面談し依頼して下さい。 追記 一応お伝え致します、 法テラスは、収入や住宅ローン、家賃などで、無料・有料相談と判断されます。

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