昔の借金問題の事でお知恵をお貸しください 私の友人から相…

質問と回答
  • 昔の借金問題の事でお知恵をお貸しください 私の友人から相談を受けました 簡単に書きますと、、、 平成12年12月にサラ金から借金があり自己破産をしようと弁護士に相談。 (件数は5社で総額300万ほど) 着手金を払い督促は止まった。 それから平成20年ごろ突然違う名前の弁護士を名乗る人から何らかの電話があったが、本人が内容まで覚えていない そうして先週東京の裁判所から「執行文」が届く。 内容は平成18年(ハ)●●●●号事件は債権者が債務者に対し強制執行が出来る等の内容で相手方は旧武富士となっていました。 本人の手元に武富士が掛けた裁判の口頭弁論調書が残っておりその最後の方に「取引明細」が付いておりました。 その中を見ると最終支払日が平成12年12月20日が最後の支払いとなっております、簡単に書くとこの様な感じなのですが、本日旧武富士を名乗る人から電話があり結構高圧的な態度で質問攻めにあったそうです。 ここで質問なのですが武富士以外は裁判も何もなく10年以上経過しましたので時効ということは分かるのですが、 武富士だけは平成18年に裁判をやっているので時効は中断し再時効は平成28年まであると思ううのですが、間違いないでしょうか? 更に武富士の取引明細を見ると元金が55万ですが遅延損害金が76万請求されています。 この様な場合、こちらから何か対抗手段は無いでしょうか? 1 このまま放置してあと3年シカトする 2 特定調停をして減額(損害金免除)等の話で折り合いを付ける 3 これは全く自信があるわけでは何のですが、過払い金を計算して特定調停か何かで損害金の免除と元金を引き直し計算で出た過払い金とそうさつする(かなり希望的観測ですが) そもそも武富士の時効は裁判をかけられている事で時効は10年、過払い金の時効も10年と聞きましたが、最終支払い日からすでに13年以上経過しているのでこちらの請求権は消滅しているのでしょうか? たくさん書きましたがご指導よろしくお願いいたします。 (過去質問で武富士の事について質問しましたが本件は全くの別人です)
  • まあ確かに和解条項を10年シカトして時効を主張すれば通るんですかね。 ただ、債権者も商売ですから、あと3年も黙ってはいないでしょう。差押を かけて時効を中断させるために執行文の付与をしたんだと思いますよ。 和解条項を履行していないのが事実なら、対抗手段は破産くらいですね。過 払い云々は、和解時に再計算しているはずですから、関係ないでしょうし。 そもそもお友達は、H18に、東京の裁判所で、裁判官や傍聴人の前で、内容 を確認しているんじゃないんですかね。質問文中に出てきませんけれども。

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