自分の話ではないのですが・・・ 消費者金融2社から借り入…

質問と回答
  • 自分の話ではないのですが・・・ 消費者金融2社から借り入れをしています。合わせても元金110万程度です。 内訳は、D社60万で取引年数3年程度。P社50万で取引年数20年で1度完済あり。(10年以上前) 自己破産、特定調停のやり方等は自分は解ります。が、この場合だとP社に対しての過払い請求が可能と思います。 実際にどのくらいの過払いがあるか解りませんが、結構あると思います。 なので、特定調停をすればD社は減額出来ますが P社については過払いがあっても泣き寝入り状態になるかと思います。 (後日請求は出来るんでしょうけど・・・) 過払い請求をしてP社から回収した金でD社に返済という手も考えてますが・・・自分は過払い請求の経験もノウハウも知りません。 司法書士や弁護士に相談や依頼すればいい話しなんですが、出来る限り費用を抑えたいと思ってます。 専門家や、経験のある方回答お願いします。
  • 貴方が家族でないなら、裁判上での代理はできません。 また、貴方はあまり知識がなさそうなのですべきでもありません。 一度完済ありなら、一連計算が認められるか、個別計算で以前のものが、時効になってしまうか裁判で大きな争点になります。 弁護士のところに相談にいかせるか、とことん勉強させて、本人に訴訟させるかさせてください。 過払い金額も履歴を取り寄せないと分かりませんし、また、判決が確定しないと、20年分の過払いが満額でもらえるかどうか分かりません。

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