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  • 消費者金融に過払い返還請求をしようと思っているのですが、業者との交渉は身内でも大丈夫でしょうか?弁護士以外の代理人では無理ですか? 先日、4社合計160万弱の母親の借金が発覚しました。家族の助言もあり、現状4社全ての取引履歴を請求している所です、その内の1社(ア○ム)は数時間で履歴を出してくれたので、早速名古屋式引き直し計算をしてみたら90万弱(過払い利息6%と過払い利息残額含む)の過払い金がある事が分かりました。その他3社については今月末に履歴が届く予定なので、はっきりとは分かりませんが、いくばくかの過払い金が生じるのではないかと思っています。 弁護士に頼むのが楽で安心な事は分かるのですが、費用も1社につき20万以上かかりそうなので、できるだけ直接交渉で和解をしたいと思うのですが、借り手の母親は外人であり、契約時にも業者が代筆をした程で、今まで利息を幾ら払っていたかなど全く分かっていません、そんな本人が直接交渉をしたら相手のいいように話が付けられてしまうのは必死だと思うので、子である私が、業者と交渉したいと考えているのですが、そのような事は可能なのでしょうか?どなたかご存知でしたら教えて下さいm(__)m 業者の方には私が交渉できない限りは弁護士に頼むと話してみようかと思うのですが・・・。実際、交渉が無理な場合は弁護士を通そうと思っています、裁判になればそれはそれで母親がどこまでしっかりと話せるか分からなくて不安な事と、私自信が来月末から地方に行く予定があるので最後まで付き添えない事もあるので。。 ・・・という訳で、重複してしまうのですが私の質問は 『業者は借りて本人と弁護士以外との交渉に応じる事はあるのか、それは法律に触れない事なのか』 ・・・です、同じような経験をされている方、お話を聞いた方など何かご存知でしたら返信お願い致します。。
  • 代理人としてなら可能かと思われますが、 計算や書類作成などかなり煩雑な手続きが必要なので あなたが全くの素人でずっと付き添えないなら専門家に任せた方がいいと思います。 今現在の相場はよく分かりませんが、 5年前は過払い請求一社につき2万と言われましたよ。 自己破産の費用が30万なので一社20万って高くないですか? 費用を抑えたいなら弁護士ではなく 行政書士や司法書士さんだと弁護士より安くすむのではないでしょうか?

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