故人の過払い金請求はできますか? 3年前に亡くなった父の過…

質問と回答
  • 故人の過払い金請求はできますか? 3年前に亡くなった父の過払い金請求はできますか? イオンカードから100万円の借金があり、亡くなる前に完済をしました。 父の病気で同居を始め、借金が発覚し、2年半かかって完済をしたのですが、カードは2枚あり、 上限が50万円のため、それぞれ毎月2万5千円、合わせて5万円を8万円の年金から返済していました。残り3万円で生活できるはずもなく、同居を始めるまでは借りては返しの自転車操業だったと思われます。完済した際に、カードは解約、明細書も処分したため、いつから借り入れをしていたのかは不明ですが、最長でも10年、最後の方の年利は18.5%だったと記憶しています。 生前、生活は苦しく、援助もかなりした経緯もあり、亡くなる前に完済できただけでも良しと 思っていたのですが、過払い金請求の広告を見ると心が揺らぎます。 返ってくる金額が少しだとしても、高齢の父が苦しい生活の中、わずかな年金の中から高金利を返済していたことを思うと不憫でならないのです。 細かい手続きは苦手ですし、私は結婚していて姓も変わっていますが、私がイオンに直接引き直し計算書の請求はできますか? ちなみに、10年前ぎりぎりぐらいのタイミングで、プロミスからの借入金200万円も私が肩代わりして返済してあげたこともあります。これも調べるとなるとやはりどこかに頼んで調べてもらうのがいいでしょうか?(請求できるとしてですけど) これらについて知識が全くないので、詳しくアドバイスをお願いいたします。
  • 弁護士です。 相続人であればできます。遺産分割協議の結果などによるのですが、相続人全員の総意があると話は早いです。 計算自体は難しくないので、あなたにもできると思いますが、 得手不得手はありますから無理だと思ったら早めに専門家に依頼してください。 ご質問だけうかがうと戻る金額はわずかではないと思います。 知識が全くないなら、お早めに弁護士に依頼した方がいいです。特に時効の問題もありますから、迷っている時間ももったいないです。

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