過払い返還についてです。

質問と回答
  • 過払い返還についてです。 今、一社から借入があり残債60万です。 自分で引き直し計算したところ、過払いが60000円ほどで微妙な金額です。 こんな微妙な金額の場合一般的にはどうしているのでしょうか。 私的にはゼロ和解でも良いと考えています。 弁護士に依頼した場合、弁護士費用として債務額の10パーセントと報酬金(債権者主張の元金と和解金の差額)10パーセントで債務額が60万の為、この地点で12万かかります。 過払い分を請求しても結果マイナスです… であれば自分でゼロ和解をした方がよっぽど良い気がするのですが、まだまだ勉強不足な為何かお力添えをお願い致します。 あと、ゼロ和解の手順はこれから調べるつもりでいますが、無知な為詳しく教えて頂けたら幸いです。
  • 取引履歴の取り寄せ、ご自身での引き直し計算、お疲れさまでした。 弁護士にしろ、司法書士にしろ、6万円の過払い金獲得に報酬12 万円はなかなか請求できなさそうな気がしますが・・・。 (費用の持ち出しは馬鹿らしいですよね。) 6万円とってもらったら2万円払うとか、専門家に依頼するにしても 報酬の交渉を先にしたほうが宜しいでしょう。 ご自身がゼロ和解でも良い、というお考えなら武富士さんに法定利率 引き直し計算書を送り、ゼロ和解でもいいからそちらで契約書を作って 下さい、というのが一番安上がりでしょうか? 下記のとおり、時間(と、多少のお金)をかけるつもりがあるならば・・・ 1.本やネットを見て訴状を書き、 2.武富士さんの代表者事項証明書(法務局でとれます。ちなみに千円) をとる。 3.訴状に貼る収入印紙(訴額10万以下なら千円)を買う。 4.裁判所へ出す郵券(大阪なら4800円。使用しなかった分は返還有) を買う(裁判所でもセットで売ってるところが多いですが。要確認) 5.書類の不備の訂正や期日に何回か裁判所へいく時間と交通費と情熱 をかけることができる! という方なら、満額取り返すべく、是非訴訟をオススメします。 お電話での交渉の場合、武富士さんは10万円以下についての返還 は非常に渋いです。一度担当者さんに少しでも返してほしい旨のお願い をしてもなかなか難しいのではないかと思います。 良い結果がでることをお祈りいたします^^

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