借金問題です。

質問と回答
  • 借金問題です。 私は長い事、消費者金融やクレジットカードで借入をしています。 消費者金融に関しては過払い金というのも出ているかとは思うのですが、返済中の状態で請求をかけると債務整理になるという事を聞きました。 借金は300万くらいあります。 仮に債務整理したとしたら残債は返済していく訳であって、法律家に頼んだ時に費用もかかるという事で、その費用は大体いくらくらいのところに頼むのが妥当ですか? 聞いた話によると自己破産した方が楽とも聞きます。 何十万か費用がかかっても借金が無くなるのですから。 どの方法で解決するべきか教えて下さい。
  • 自己破産は誰もが出来る訳ではありません。 調べられて免責が降りればの話です。 確かに何十万かの費用をかけて借金が終わるのなら、300万を返済していくよりは楽ですよね。 ただし自分名義の財産も持って行かれてしまうので、そこも確認してからにした方がいいですね。 グレーゾーン金利の分の減額がいくら出るのかにもよると思うのですが、まずは過払い請求(この場合は任意整理)をかけてからでも返済が厳しかったら破産するというのが一番良い流れだと思いますよ。 http://www.onayamikaiketuhiroba.com/ こちらの無料相談所に相談してみるといいですよ。 過払い、債務整理、自己破産に関して無料で丁寧に教えてくれますよ。

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