借金の引き直し計算についてお聞きします。

質問と回答
  • 借金の引き直し計算についてお聞きします。 4年前から大手の消費者金融から、現在130万ほど借金がありますが、最初は金利27%とかでしたが、 グレーゾーンだということを知ってから電話で金利を下げてほしいことを言ってから今まで18%まで下げてもらいました。18%に下がったのはちょうど1年位前です。そして先日、過去のものも18%の金利に直した額にして計算してほしいとお願いしたところ、直に一括で返済してくれるならば、計算し直しますというふうに言われました。一括返済するお金も用意できない人は諦めるしかないのでしょうか。過払いになるほどの長い期間借り入れしているわけではありませんが、最初の借り入れから金利18%だったことにして、計算し直してもらい、少しでも借金を減らし、毎月の返済額を減らす事は出来ないのでしょうか?よろしくおねがいします。
  • そのような手続きを任意整理といいます。 任意整理は払いすぎた利息を元金に充てるだけでなく、将来利息をカットできるので、返済の負担が小さくなると思います。 弁護士か司法書士に依頼すれば、一括のお金を用意できなくてもできますよ。 任意整理について、よくわからないことがあれば、無料相談などで聞いてみるといいですよ。 http://www.kasuga-office.net/

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