家族性地中海熱 その他に借金の悩み

債務整理の悩み相談松山地方裁判所西条支部/破産係
あちこちの金融機関から借入れをしているために、返済に毎日不安を感じている人々もたくさんいるのではないでしょうか?少々収入があっても、急な支払いに追いついて行けない時もあり、短い期間のつもりで金融機関で借りることもあるでしょう。

最初はすぐに返済する意向で借金をしたのですが、車の税金であるとか、固定資産税などの納付がダブってしまったりで、借金返済するためのお金が不足することもあるでしょう。その場合のために、余裕と感じる時には多めに返済しておくのも一つの借金返済方法です。何時しか、10年間も払い続けている借金があったりしませんか?

そのような時は債務整理のプロの弁護士に一度教えてもらうとよいです。ひょっとしたら、以前に返済してきた金利が実は高くて、過払い金請求することで今の借金返済を完了できるかもしれません。借金の完済まで行かなくても、毎月重荷になっている返済額を軽くできる可能性もあります。専門知識がなければ過払い金の計算方法なんて知らないので、ひとりだけで悶々としていては、何の改善もされません。しかし、弁護士に相談すれば何をすればよいのかわかりますし、この先、お金の面で生活が良くなるかもしれません。

計算したが過払い金が出なかったとしても、借金問題を解決する他の方法があります。それは、自己破産、任意整理、民事再生という債務整理と呼ばれる法的措置の手続きをすることです。これをするにしても専門の知識が不可欠ですので、やはり弁護士に教えてもらいながら進める必要があります。

個々の手続きについて個別に説明しますが、任意整理は、今後の金利を無くし0にして元本のみを分割で返済するもので、利息が無くなる分返済額が少なくなります。そして自己破産ですが、将来借金の返済が不可能であることを裁判所に許諾していただくことで、すべての借金の支払い金額を0にするものです。ですが、高価な財産などを保有しているのであれば、これを手放さなければなりません。次に、民事再生は、返済が困難なことを裁判所に了承してもらい、今の借金の5分の1から10分の1ほどに減額が可能な措置です。

とにもかくにも借金問題は一人で悩まずに、債務整理のプロの弁護士に相談することを忘れないでください。

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