債務整理についてです。

質問と回答
  • 債務整理についてです。 夫の借金がなおりません。 現在、過去の借金について過払い金返還請求中です。さらに、ここ数年で数社から借金をして、300万円になっていました。 住宅ローンを組んでいる銀行で借金返済のローンもくんでいました。利子を合わせると600万円近くなります。 債務整理した場合、借金のみならず住宅ローンも整理の対象になるのか? その場合、家に住み続けることはできるのか?具体的にどういった状況になるのか教えて下さい。
  • >債務整理した場合、借金のみならず住宅ローンも整理の対象になるのか? 先の方の回答と被りますが、何の債務整理でしょうか。色々ありますので。 家を手放したくないと言うのであれば現実的な方法は個人再生でしょう。 「住宅ローン特別条項」「住宅資金特別条項」で検索してください。 過去に住宅ローンの滞納がないことなどが条件となります。 それと、住宅ローンを組んでいる銀行が給与振込口座になっている場合 弁護士や司法書士が着手して銀行に通知がいった段階で 口座が凍結されますのでその前に口座のお金を全額引き出して 給与振込口座も変更しておいたほうがいいですよ。 ちなみに車は持っていますか?ローンを組んでいてローン支払中なら 車は持っていかれます。車は特別条項がないので。

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