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質問と回答
  • 相談です。債務整理と過払い請求の意味などを詳しく教えて頂けると光栄です。 私の母は、 昔にお金の都合上債務整理を顧問弁護士に依頼をしました。 その際に少しならが、払いすぎていたお金があり、 それで賄いを着けたのですが、 この最近に少しお金が必要となり、 ローン会社に審査をしたのですが、 債務整理をした際にブラックになってるのと思います。 約7年間経過は、しておりました。 追記(債務整理をした際にカードは、弁護士の方が目の前で処分をしたと聞きました) この度は、兄のローンに着いてなのですが、 兄は、支払いなど支払い遅れなどは、ありません。 約8年ぐらいですが、 支払いをしており、 良くCMなどで過払い請求を良く見るらしく でももし、過払い請求をしたら日本個人組合などCICなどに情報が乗り 今後ローンなどが組めなくなるのか心配らしいです。 その際は、母見たく、ローンが組みにくい事になるのでしょうか? そこの所を教えて頂けると光栄です。 宜しくお願いします
  • 債務整理というのは、いまある借金について、法的な整理をすることを広く指します。具体的には、自己破産、個人再生、特定調停、任意整理、過払い請求、です。 過払い請求というのは2つの意味があります。 まず過払い請求の前提として「払いすぎの利息」があります。これは、利息制限法で定められた上限利率を超える利率の利息の支払いを意味します。 大雑把にいって、20%を超える利率で支払った利息です。 この「払いすぎの利息」のことを過払い金ということもあります。 「払いすぎの利息」がある場合、貸金業者の主張する元金が、債務整理することによって「払いすぎの利息」の分減額されます。 この「払いすぎの利息」がある場合に、この「払いすぎの利息」が貸金業者の主張する元金より多ければ、借金がなくなり、かつお金が返ってくることになります。これを通常、「過払い金」といいます。 完済した貸金業者について、「払いすぎの利息」があれば、必ず「過払い金」はあることになります(実際に取り返せるかは別にして。倒産した業者から返還を求めることはできないことなどがあり得るので)。 このように実際にお金が返ってくる意味での「過払い金」、「過払い請求」では、いわゆるブラックリストには載りません。したがって、今後ローンが組めないという不利益はありません(過払い請求した業者は別として)。

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