回答有難うございました。
質問と回答
- 回答有難うございました。 200万は仮定額ではありません。 10件依頼し、全て開示済です。 詳しく書くと、9社に過払いがありトータルで約100万。 数社は振り込み日も確定しています。 (但し、振り込み先も聞かれていません) 残った1社に債務残100万でした。 その資料が送られて来たので、弁護士サンに100万の過払いで残を払えないのですか？自己破産した場合は、過払い金は何処に行くのですか？と尋ねたら 『自己破産は財産がないのが前提なので…』と曖昧な回答でした。 勿論、法○ラスさんからの紹介の弁護士サンです。 全く意味が分からないので質問してみました。 実は、本人が入院中の為、身内である私が代理になってます。 どちらにしろ、本人は精神病で社会復帰は厳しく債務が0になる事が条件であれば、弁護士サンにお任せですが、振り込み日まで決まった過払金が誰の所有になるか気になりました。
- 失礼しました。そういうことだったのですね。私如きの法知識では安易な回答は避けますが、認識している一般論として・・・ 普通債務整理を弁護士に依頼した場合（今回は１０社）全業者に対して受任通知（＝取引履歴の開示）をし、全ての金額が確定後（およそ三ヵ月後位から）債務の残った業者に対して将来利息のカット等をして支払いが始まります。 ※毎月一定収入がある場合 今回の質問者さんのように、本人が入院中で社会復帰も難しいとのこと、又、残債務が過払い金額を上回っていること(報酬等差し引いたら)等考慮した上での自己破産云々だったのでは？ ※普通過払い金は一度弁護士事務所に入金されます。そこから報酬等費用を差し引いて返還するか残債にまわします。 過払い＞残債務＋費用なら問題は無いのですが・・・・ 代理での交渉のようですので（後見人？）弁護士によく相談されて下さい。多分このあとに詳しい回答者が現れると思いますのでそちらを参考にしてください。
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