債務整理無料診断

借りる時には、問題なく蠔済できる筈だった借金が、急な病気や失業で蠔せなくなってしまった・・
支払日が蠑づいているのに、入金の目処が立たない・・家族や勤務先に知られずに、借金を何とか蠔したい・・中には、亡くなられた親族から債務を相続してしまったり、䠝証人として他人のローンを背負う羽目になり、蠔済に困っている人もいらっしいます。
生活費、株・FXなどの投資、事業資金、冠婚葬祭費、ギャンブル、女性・男性との交際費用、浪費・・・借金蠔済方法に悩む原因は人それぞれ。
代表的な解決方法
【任意整理による借金問題解決】
任意整理とは、司法書士が債権者と蠔済の方法や蠔済の額について交渉をして、支払いが可能になるような(今よりもよい)条件での合意を成立させる手続きです。裁判所は関与しません。
すべての債務整理の手続きの中で、最もよく利用されるのが、この任意整理の手続きです。
高金利（利息制限法の上限金利を超える金利）の消費者金融等と取引がある場合には、利息制限法による引き直し計算を行い、過去に払い過ぎている利息を元本に充当して借金額を減らします。
そして、利息制限法引き直し計算による減額後、将来の利息はカットして分割払いをするという交渉や、過払い金や親族の援助などで一括蠔済するので借金額を減額して欲しいというような交渉をしていきます。将来利息のカットについては、ほとんどのケースで可能ですが、一括蠔済による減額は、堅ずできるわけではありません。
裁判所は関与しませんので、自己破産の場合のように裁判所に提出する書類を用意していただく堅要はありません。

【個人再生による借金問題解決】
個人再生というのは、ちょっと乱暴な言い方をすると、自己破産と任意整理の中間のような制度です。
つまり、自己破産と同様に裁判所に申し立てをするのですが、自己破産のようにすべての債務を免責にするというわけではなく、債務を大幅に免責(5分の1程度)にしてもらって、任意整理のように、長期の分割払いにしてもらう、という制度です。減額幅は、任意整理よりは大きくなります。
債務を大幅に免責(5分の1程度)にし、それを3年で支払うという計画案(再生計画案)が裁判所に認可されれば、債務は計画案に記載された額まで減額されます。そして、3年での分割支払いが終われば、すべての債務がなくなります。蠔済期間については、特別な事情がある場合には、5年までの長期分割弁済が認められます。

【自己破産による借金問題解決】
自己破産とは、裁判所に「破産申立書」を提出して「免責許可」というものをもらい、全ての借金をゼロにするという手続きです。破産ができるのは、「支払い不能」となった場合です。支払い不能というのは、債務者の負債の額、収入、資産等の状況から総合的に判断されます。
司法書士は、破産申立書の作成から、免責になるまでの全ての手続きのお手伝いをします。

By the time the rent, the debt was going to be able to repay without any problems, it had longer return in a sudden illness or unemployment ...
To payment date is approaching, or not known to the ... family and work that the prospect of payment does not stand, during the ... you want to return somehow the debt, got inherited the debt from relatives that died, will end up shoulder the loan of another person as a guarantor, we backlash Some people are in trouble in repayment.
Living expenses, investment, such as a stock · FX, business funds, ceremonial expenses, gambling, dating expense of the women and men, cause suffering to waste ... debt repayment method each person.
Typical solutions
[Voluntary liquidation by the debt problem solving]
The voluntary liquidation, judicial scrivener is a negotiation with regard to the amount of the method and the repayment of repayment with creditors, it is a procedure to establish the agreement of the payment (better than now), such as is possible condition. The court does not participate.
Of all the debt consolidation of the procedure, the are most commonly used, it is a procedure of this voluntary liquidation.
If there is a deal with the consumer finance such as high interest rates (interest rate that exceeds the maximum interest rate of the Interest Rate Restriction Law) performs a calculation redrawn by the Interest Rate Restriction Law, appropriated the interest that overpay in the past to the principal reduce the debt amount.
Then, after the reduction by the Interest Rate Restriction Law pulling back calculation, the future of interest and negotiations that the installment payment cut, the negotiations, such as that I want to reduce the debt amount because the lump-sum repayment in such overpayment Gold and relatives of assistance and we will. For cut of future interest, but is possible in most cases, reduced by lump-sum repayment is, it can not always be.
Since the court is not involved, there is no need for you to prepare the documents to be submitted to the court, as in the case of personal bankruptcy.

[Personal reproduction by the debt problem solving]
Because individual play, when a little rough words, is a system, such as the middle of bankruptcy and voluntary liquidation.
And yes, we will be a petition to the court as well as the self-bankruptcy, does not mean that to the safe harbor all of the debt as of self-bankruptcy, ask them to greatly Exemption (1 about 5 minutes) the debt, any as organized, get in long-term installments, it is a system that. Reduced width is greater than the voluntary liquidation.
The debt significantly indemnify (1 about 5 minutes), if it is approved by the plan (proposed rehabilitation plan) a court to pay it in three years, debt will be reduced to the amount that has been described in the plan. And, When you're finished split payment in three years, it will not have all of the debt. For repayment period is, if there are special circumstances, long-term split payment will be accepted up to 5 years.

A debt problem by self-bankruptcy]
And self-bankruptcy, to submit a "bankruptcy petition" to the court got a thing called "Exempt permission", it is a procedure that all the debt to zero. Can bankruptcy is a case that became the "insolvency". Because insolvency, the amount of the debtor's liabilities, revenue, will be comprehensive evaluation of the status of such assets.
Judicial scrivener, from the creation of the bankruptcy petition, and to help all of the proceedings until the disclaimer.