過払いの手続き 友達が交通事故で具合を悪くしていてあまり…

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  • 過払いの手続き 友達が交通事故で具合を悪くしていてあまり仕事ができないのです。 なのでお金を貸して欲しいと言ってくる事が多く、自分も少し腰痛がひどく完全週休2日を利用したりと収入が激減で生きています いつも貸してもなかなか返金が来ないので今回は厳しく問い詰めてみました。 そしたら自分も知っている人が絡んでいて、友達に絶対に返すと言ってカードを作らせて借りていった知っているおじさんが結局逃亡して返金を背負ってしまったみたいです。 それで思ったのですがグレーゾーンなる物があって返金もできるという話を聞いたので教えたのですがお金が無いから相談もできないといいます。 少しでも返金があったらそれをまた返済に当てたら楽になるんじゃないのかなとは思うのです。 聞けば12年前程度に借りた50万と、もう一店から借りた20万の70万円 まだ返済を終えてなく借金は減っていないそうです なぜなのか聞くと仕事ができない時に返金に困っていて店に相談すると借りる枠を増やしてあげるといわれ書類を書いて10万を上げて借りては返すを繰り返していました。 話をきいていると合計が80万円くらいという事です 途中で一店にまとめて借り入れにして返済が楽になったとか言ってましたが、2万円~24000円を毎月払っているみたいです やはり収入が無いため具合が悪くどうしても半分借りては半分返す?みたいな利息だけの支払いになっているのがわかります。 だから減っていないんだなと。 彼は結局の相談するための費用はありませんし、相談してみても過払いが無かった、もしくは過払いがあったとしてもかなり少ない金額だったら相談した人に払うお金が無いから逆にまた借金で困ると言っています。 確かにそうかもしれないとは思いますが、このままではまた自分以外にも借りている人にまた借りるという感じになっていくと思います。 少しなら貸してもいいのですが、結局貸しても返す事がなかなかできない人にとってまたデメリットですよね こういう相談するにも先立つ物が無いのですがそういう場合はどうしたらいいと思いますか? 解決した時に支払う額が返金額を超えなければ貸したお金も戻って自分もうれしいのですが、貸している10万の半分は見舞金としてもいいと思いますが半分くらいはやっぱり返ってきて欲しいです。
  • 12年前からの借り入れ返済を繰り返している状況であれば、過払いの出る可能性は一般的には高いと思われます。 履歴さえ取り寄せれば、自力での計算も可能ですが、体調が悪くそんな気力が無いということでしたら、最寄りの法テラスを調べて相談に行かれては如何でしょうか。 3回までは無料で相談を受けられるはずです。 また、弁護士会によっては無料多重債務相談を実施しているところもあります。

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