過払い請求を考えていますがまったくの素人で無知なので質問…

質問と回答
  • 過払い請求を考えていますがまったくの素人で無知なので質問が多いですが教えてください。 ①債務整理 任意整理 過払い請求はどうちがうのでしょうか? ②仕事で暇がない為 すべてを任せきりでいられるには弁護士と司法書士のどちらがいいと思いますか? ③弁護士と司法書士にお願いするにはだいぶ費用に差が出ますか? ④法テラスに相談するのとTVCM等で紹介されているのはどちらに相談したほうが良いですか? ⑤少しサイトで見たのですがお願いするには保険証等が必要になりますか? ⑥契約書や毎月払った明細書等がないのですが大丈夫でしょうか? ⑦現在も返済中なのですが過払い金が発生していれば返済終了になったり返済終了+過払い金返還されるのでしょうか? ⑧数回の繰り返しになりますがアコムで10年程前に50万円借り完済ししばらくして90万円かりまた完済しまた50万円借りて現在それを返済中なのですが最初の取引からの履歴で過払い請求できますか? もしそれが12年程前であった場合は10年以上前の履歴は無効になってしまいますか? 複数の質問があり申し訳ありません。 私にとってはとても深刻な問題なのでよろしくお願いします。
  • ①貴方の場合は過払い状態と思われるので、たいして意味の違いはないです。(どうしても知りたいのなら、検索すればいくらでも出てきます) ②③訴額が140万超になるかもしれませんので、弁護士がお薦めです。 ④法テラス又は地元弁護士会です。 ⑤どうでしょううか?私の場合は必要無しでした。 ⑥必要無し(有れば有った方がいい) ⑦⑧依頼する弁護士に尋ねるべきです。 [業者が何処か分かりませんが、過払いについてネットや書籍等でよく調べた上で、ご自分で取引履歴を請求し、引き直し計算すれば専門家に依頼する場合でも、納得の仕方が変わってくると思いますよ} ①についても良くわかる筈です。 。

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