過払い金請求で、示談か裁判のどちらを選択するか迷っています。

質問と回答
  • 過払い金請求で、示談か裁判のどちらを選択するか迷っています。貸付をしていた期間の算定で、以前全額返し終え、再度また貸付していたので、相手側は一度返し終え、その後空白の期間があるから 、一度返し終えたところまでの期間に対して過払い分の支払いに応じるという内容で示談の提示がありました。こちら側の弁護士によると、空白の期間はあっても、その後貸付期間があり、それも合わせて一つの取引であるから、裁判で認められれば、示談として提示されてる金額の約2.5倍の過払い金になるとの事です。3年前くらいの同様の事例では、相手側は別の会社ですが、裁判ですべての期間が対象と認められたケースがあるとの事ですが、今回裁判した場合に100%こちら側の主張が認められるとは限らないとのことで、認められなかった場合、過払い金は示談で提示されてる金額になり、そこから裁判費用を引くと、私の手元に戻る金額は0に近くなるとの事です。示談か裁判かどちらを選択するべきか、よきアドバイスをお願いします。
  • 取引の中断に該当するかは各案件の取引状況によるので、ここでは判断できず弁護士に従う方がいいでしょう。 示談であれば返戻金額は減りますが早期に回収できます。 判決であれば期間は要しますが全額回収「出来る可能性」があります。 貴殿の選択です。

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