調べてみましたが、知りたいことが合致してないかも?理解不…

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  • 調べてみましたが、知りたいことが合致してないかも?理解不足かもしれません… 今消費者金融への返済に困ってます。 レイクに24万、セゾンに44万、ベルーナに10万で支払い が1万2千、1万3千 、4千円の計2万9千円です。 最近保険の仕事を始めたばかりで余裕もなく遅れては払ってが3か月ほど続いています。 そのため支払いをいくらか減らしたいと思うのですがこの場合は債務整理でよろしいのでしょうか?債務整理だと不都合なことがあるとかないとか… 5年くらい前に完済してるとこに過払い金請求でも…とおもいましたが相手が相手だから取るのが難しいと言う書き込みが多かったし金額も5万あるかないかくらいな感じだったので… 参考までにご意見お願いいたします。
  • 書き直します。 保険外交員でしょうか、会社に報告せずできるのが任意整理です、 安定した収入があれば、利息無しの分割払い交渉をします。 “5年くらい前に完済”とはどこの業者ですか? 取引履歴を取寄せ名古屋消費者信用問題研究会HPの無料ソフトで引直計算して利息付加の過払い金を確認をお勧めします。 レイク24万、 セゾン44万、 ベルーナ10万 のキャッシング分は同じく引直し計算をお勧めします。 法テラスで相談をお勧めします。 ベルーナが10万と少ないのでこれを依頼から外す方法が良いのか、5年前の過払い金が回収可能で費用報酬を引いても手元に戻りそうならベルーナの返済に充当すればよいですし。 相談先として、街角法律相談所などネットでは相談所という弁護士も司法書士もいない業者が匿名で減額計算のシミュレーションを宣伝してますが、目的は弁護士紹介ですが、遠隔地の事務所を紹介し1件10万という高額着手金や報酬を請求されます。これはバカ高いです、相場より高いです、報酬の返済が追加されるので絶対シミュレーションで契約するのはやめましょう。 最寄の法テラスで相談して下さい。

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