任意整理と過払い請求を考えています。

質問と回答
  • 任意整理と過払い請求を考えています。 ①信販系 契約より6年 現在残 49万 返済月1万 金利18% ②CFJ(合併される前のアイクで契約) 契約より12年 現在残96万 返済月3万8千円 契約当時(と、オペレーターが言ってました)金利29.2% ③武富士 手元にある資料からは契約より7年 現在残48万 1万5千円返済 27.35% これが二口(カードも2枚。当時武富士と子会社?で契約したので) 武富士は一度全額返してからまた借り始めたので10年以上になります。 またアイフルもH11年(10年まで後数ヶ月)で完済。 過払いと任意整理をしようかと考えていますが、弁護士費用は過払い金でまかなえるものでしょうか? また、この状況からどの位まで減るものでしょうか?
  • 文字数の関係で先の回答は削除します。 司法書士は140万円を越えると代理できません。 CFJあたりが、140万円を越える可能性があるので、丸投げなら弁護士です。 あるいは、引き直し計算してから決める(140万超なら必ず弁護士、以下ならどちらも可)。 よく、書士の方が報酬が安いという人がいますが、安い弁護士もいれば高い司法書士もいるので、一概に言えることではありません。

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