We try not to use technical terms as much as possible, and try to explain the flow and effects of debt consolidation procedures in an easy-to-understand manner. In addition, the motto is to listen to all the debt problems that you have and to select the appropriate procedure for each client. It is our pleasure to hear a voice saying, “I feel relieved to hear the story.”
Debt consolidation consultation
Debt consolidation is broadly divided into “voluntary consolidation”, “individual revitalization” and “self bankruptcy”, but which procedure should be selected depends on the situation such as total debt, income and property. Of course, we use various methods to guide the solution, as much as possible, to the client’s wishes.
In debt consolidation procedures, the judiciary scrivener will notify the creditors and the creditors will stop prompting them, so they will be released from uneasy days. In the procedure of voluntary arrangement, the total payment amount can be reduced by cutting the interest accruing in the future, and the monthly payment amount can also be reduced by forming a long-term split, so we can rebuild our lives and move on to pay off.
Also, in particular, there is a high possibility that the family can make the procedure secretly in any arrangement, so you may be able to request with confidence. Recently, some companies are reluctant to cut interest rates. As the lender tends to change the content of the settlement depending on the judicial scrivener’s office and the law office, which is the negotiating partner, the outcome of the negotiation may differ. The judicial scrivener’s office and the lawyer’s office will be required to review the debt consolidation.
Consultation of overpayment request
If you want to know if there is an overpayment in the past debt or if you want to withdraw from overpayment if there is an overpayment, please consider consulting with us for overpayment requests. “Overpayment request” is a procedure to have consumer credit, creditors, etc. return the overpaid interest. If you are contracting at an interest rate that exceeds the interest rate limit, money may come back.
Until around 2007, most consumer finance companies and credit card companies lent money at an interest rate that exceeded the interest rate limit (maximum 15 to 20%) stipulated under the Interest Limitation Act. For transactions with a high interest rate that exceeds the interest rate control method, if you purchase transaction history (previous transaction records) from the vendor and calculate it as interest rate rates under the interest rate control method, overpayment will occur. Transactions that have been paid off, as well as transactions that are still being repaid, may also apply.
Debt consolidation and past interest review
In order to reduce debt, we will also review the past high interest rates. This may reduce your debt substantially, even if you don’t get the money back at hand. Depending on the contents of the contract, if the interest rate is high and the trading period is from 5 to 7 years, there may be an overpayment such that all remaining debt will be lost.
After the judicial scrivener office and the lawyer office announce overpaid bill in CM and etc. and it is recognized by the general public, consumer finance etc. urges the debtor to “re-evaluate the interest rate” and the interest rate falls within the scope of the interest rate restriction law. There are many transactions that are changing. However, many of them have not reviewed the interest paid so far, so even if the current interest rate is appropriate or 0%, it will bring about a major change in debt consolidation procedures.
Debt consolidation procedure request to judicial scrivener corporation
Debt consolidation does not mean the same result no matter where you ask. Depending on the bargaining power and past performance, the content of the settlement may differ, especially the total payment amount and the monthly payment amount. Even in the case of bankruptcy and personal rebirth, differences in experience and know-how affect the processing speed and results. We will guide you on the basis of our extensive experience.
Overpayment request to judicial scrivener corporation
It seems that there are a certain number of people who make overpayment requests by themselves. However, the other party is a professional on that road. Because there is an overwhelming gap in knowledge and information, we try to lower the payment amount and bring it into a settlement at a much lower price than the market price. Of course, if you ask a judicial scrivener, you will get a reward, but even if you deduct it, a lot of money will often be returned. We deal with overpaid bills many times, and with rich expertise and experience, we will use your experience to help you with overpaid bills.