債務整理を考えています。

質問と回答
  • 債務整理を考えています。年収約500.銀行のフリーローンやクレカのキャッシングが主で年収と同額の借り入れがあります。住宅ローンありです。また、6年前に完済解約した消費者金融も5社(全て大手)があり 少し、聞いたのですがおそらくかなりの過払い金もあるのではないかと。長い取引だと10年以上にもなった社もあります。弁護士さんに相談しようと思いますが、相談して依頼をしたらすぐに返済ストップなどに入るのでしょうか。流れがよくわかりませんし、どこの弁護士さん依頼しようかも悩んでいます。今、色々な弁護士事務所が宣伝していますよね。どうか詳しい方教えていただけませんでしょうか。
  • サラ金に5社も大手があるのでしょうか? 今困っていることは、住宅ローンや銀行フリーローン。クレカのキャッシングの支払ができないということなので、地元弁護士会や法テラスで相談して下さい。クレカも法定金利以内なら、減額にはならないので、借金は500万になります。 過払いは、電話請求で振り込まれると言う簡単なものではありません。 任意交渉なら、半額以下を半年や1年先に振込むのが現状です。 満額回収するのは、訴訟が必要です。 弁護士依頼して、任意整理をして下さい。 地元弁護士会や法テラスで、過払い請求依頼の着手金は、回収できた過払いから差し引いてくれるという「後払い」を認めてくれる事務所があるので、相談予約を入れて見つけて下さい。 公的機関での依頼は、弁護士や司法書士に課せられた債務整理(過払い請求含む)の報酬上限規制に基づいて、ボッタクリ請求もないので安心です。 terukyu_totoのURL先は、こくみん生活救済センターといって、公的機関に似せた名前の紹介屋です。 紹介した事務所は紹介屋と結託し、客を斡旋してもらい、斡旋料を払うことになっており、これは、弁護士法違反の非弁行為で、懲戒事由です。 ので、絶対関わらないで下さい。 他、悪徳相談先 お悩み解決広場 済生の会 春日債務整理相談所 あさひの会 非営利でないNPO団体が存在し、非弁行為をしています。 面談して依頼すると(弁護士会では面談受任必須で、面談無し受任は違反となり懲戒事由になっています)、即日受任通知をFAXや郵送で、各業者に送り、貸金業法により契約者と直接連絡はできなくなります。 なお、モビット契約分を債務整理対象にすると、貸し金請求訴訟を起こされ、債務名義をとるので、弁護士さんの対応が必要になります。

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