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  • 任意整理について。どうか皆様の意見をお聞かせ下さい。 任意整理、過払いについて質問です。 8年ほど前から消費者金融に借金があります。2度ほど親に肩代わりしてもらって全額完済したのですが今現在また借金をしてしまいました。 約3年ごとに1度完済しています。 最初はどこも29%の金利で契約していました。2回目の借金も同じくらいです。金額は一度目が200万ほど、2回目は250万ほどです。 現在はアコム50万27%、武富士150万21%、プロミス50万21%、モビット30万18%です。約2年間の取引です。ほぼ利息のみを払っていました。 以前完済した借金は今の契約も含めて任意整理をして借金は圧縮出来るでしょうか? 過払い請求の場合戻ってくる金額はあるのでしょうか? 2度完済という区切りがあるので今現在の借金に反映出来るほどの効果はあるのでしょうか? よく7−8年ほど取引をしていると過払いが発生するようですが、借金の期間はトータルで長いのですが途中で完済して解約しています。 問題は2度目の完済の時にすべての契約を一度解約している事です。 今回また借りてしまった時、申し込んだ時に前の契約の内容があったからだと思いますがすんなり契約できました。 これはトータルの年月では無くなっているのでしょうか? それとも継続しているのでしょうか? 多分契約上は一度区切りができてしまっていると思いますが、任意整理をする事になると今の状況は楽になるのでしょうか? それとも今回の借金は約2年程度なのであまり意味のないものになるのでしょうか? 借金癖があると思いますのでブラックになってもしょうがないと思っています。 お金を借りられなくなることが生活を見つめ直す事になると思いますので。 どうか意見を宜しくお願いいたします。
  • 元消費者金融社員です。 まず、これだけ言っておきます。 あなたは最低です。ご両親が必死で貯めたお金を2回も使っていただいて代払いしているのに、また借金をしています。 そして、今回の債務整理のことも自分の借金が楽になることだけを考えています。 ご両親が必死にお金を貯めている苦労を考えたことがありますか? まずはそこを考えるべきです。 さあ、本題ですが、消費者金融の場合、同じ人間には再契約といsて同じ会員番号で融資をしているはずです。 これは、一連の取引と認められ、8年間に3回取引があろうが、4回あろうが、すべての取引を開示させ、再計算します。 ということは、必ず今の金額は圧縮します。 たぶんですが、過払金もでます。 金額は、取引の具合によるので何ともいえませんが、あなたはご両親の過去に支払っていただいたお金のお陰で 再出発できます。 必ずできます。 弁護士のところへすぐに行ってください。

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