H21年から返済をやめていたサラ金業者から訴状が届きました。

質問と回答
  • H21年から返済をやめていたサラ金業者から訴状が届きました。 その頃数社からの借り入れがありましたが過払い金請求で借金を精算しました。しかし一社だけ電話での請求に応じてもらえず、それ ならば訴訟を起こしますと伝えそのまま放置してしまいました。 その後何度か提督は来ていたのですが無視していたところ、先日元金と延滞利息を支払うようにとの訴状が届きました。 少し前にHDDが壊れてしまったので詳しい計算書は残っていないのですが過払い金は数千円発生していたはずです。 このまま裁判で過払い金が発生してる旨提出して相手の請求を棄却もしくは債務ゼロで和解できる案件でしょうか。それとも放置してた事実と過払い金請求は別問題とされるでしょうか。 弁護士の法律相談にも行きたいのですがここ数日間忙しく時間が取れないため、詳しい方がいらっしゃればと思い質問しました。どうぞよろしくお願いします。
  • 普通、過払い金が発生している業者なら、訴訟は起こしてきません。訴えられた方が「それなら、過払い金返して!」と反訴したら、業者の負けですから... 引直計算しても債務が残っているか、契約当時の内容で訴訟を提起している悪徳業者のどちらかと思っています。 あなたの文章を読ませて頂いた限り、過払い金が発生しているとのことですから、あなたには債務がないことになります。むしろ、業者と和解したら過払い金を取り戻すチャンスはほとんど無くなると思った方がいいです。 一度、「法テラス」や弁護士事務所に電話してみてはいかがですか?もう一度、引き直し計算をしてもらった方がいいと思います。

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