弟がうつ病になり、寝たきり状態になりました。

質問と回答
  • 弟がうつ病になり、寝たきり状態になりました。一応入院させましたが、アコムやクレジット会社に約80万の借金がある事がわかり、困っています。 父が債務整理等の弁護士に相談に行きましたが、借金の額が少額のため過払い金の生産や自己破産は出来ないと言われました。 さらに、このまま放っておいても大丈夫だろうと言われました。 父はそれを信じて、支払い請求が来ても 弟は行方不明という事にするといいます。 弁護士の言う通り、放っておいても大丈夫なんでしょうか? 実際に家に取り立てが来たりするのでしょうか? 利息が付いて借金が増えていき、大変な事になりそうで心配です。 良いアドバイスを頂けないでしょうか?
  • 元金の返済をしなければ利息のみが嵩んでいくのは当然ですが… あくまでも返済義務があるのは、主債務者である弟さんと連帯保証人のみです。 ※小口の借入ですから連帯保証人はいないでしょう。 放っておいても大丈夫というより、放っておくより他ありませんね。 そもそも債権者である消費者金融や信販会社は、返済義務者以外の者に返済を要求することができません。 ”代わりに払え”と言うのであれば、債務者の取引状況(残債務や延滞期間等)を第三者に伝えなければなりませんし、この行為は個人情報保護法に抵触します。 ※大手の金融会社はコンプライアンスに関しては非常にうるさいです。 弟さんが支払えないのであれば、弟さんに対して連帯保証人を差し入れるよう要求してくるかもしれませんが、頼まれてもお断りすればよろしいだけです。 ※小口債権ですから、どう頑張っても取立不能と判断すれば償却処理をして終わりです。 家にまで押しかけてくることはないと思いますが、行方不明などと嘘をつくよりも、”本人と話してください”と言えばよろしいです。 とにかく関わらないことですね。

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