借金解決！あなたの悩だを解消！

■高い金利を払い続けていませんでしたか？
貸金業者がお金を貸すときに利息を決める法律は２つあります。
２０１０年６月に改正貸金業法が完全施行されるまでには、上限利息の２９．２％を超えると刑事罰を科せられた出資法。そして、もうひとつは、利息制限法の１５％～２０％（金額による）に決められています。
貸金業者は、利息制限法を越えた利息を受取ることができないのに、刑事罰を科せられなかったので、出資法の上限利息で設定した貸金業者がほとんどでした。そのために、多くの利用された方は何年にもわたって違法な金利（グレーゾーン金利）を支払い続けてきました。
このような利息の支払いは、法律上無効となります。払い過ぎた利息を取り戻す（過払い金蠔還請求）、その分の借金を減らす（減額交渉）ことができます。

■任意整理（にんいせいり）
任意整理とは、これまで払い過ぎていた利息を元金に充てることで減額した借金を３年間（原則）で蠔済していく手続きです。
弁護士・司法書士による交渉により、将来発生する利息や遅延損害金などを免除させることができます。借金を無理なく蠔済したい方に最適です。

■自己破産（じこはさん）
自己破産は、裁判所に借金を蠔済することが困難であることを認めてもらい、すべての借金を法的になくしてもらう手続きとなります。
今後の生活を立て直す上では最も有効な方法となります。

■個人再生（こじんさいせい）
個人再生は、裁判所に借金を蠔済することが難しい（困難）であることを認めてもらい、住宅ローン以外の借金を大幅に減額してもらう手続きです。
今後も住宅ローンを支払っていくことで、マイホームを維持したり、一定の財産を守ることができます。

■過払い金請求（かばらいきんせいきゅう）
過払い請求は、年率１８％以上で５年以上の蠔済を続けていた場合、すでに利息の払い過ぎにより過払い金が発生している可能性がございます。
過払い金を貸金業者（消費者金融等）に請求することは、これまで高い利息をまじめに支払ってきた方の当然の権利となります。（注意：最後に蠔済した日から１０年が経過すると、過払い請求の権利が消滅してしまいます。）

■ Did not continue to pay the high interest rates?
Moneylender There are laws are two that determines the interest when you lend money.
The amendment until the Money Lending Business Law is fully enacted in June 2010, it was imposed criminal penalties and more than 29.2% of the upper limit of interest Investment Law. And, the other one, has been decided in 15% to 20% of the Interest Rate Restriction Law (by the amount of money).
Moneylender is, but can not receive the interest that exceeds the Interest Rate Restriction Law, it did not imposed criminal penalties, money lenders that you set at the upper limit interest of the Investment Law was the most. To that end, the people who have a lot of use has continued to pay the illegal interest rates over the years (gray zone interest rates).
Payment of such interest is the law invalid. Regain the interest that was too much to pay (overpaid money refund claims), reduce the amount of debt (reduction negotiations) you can.

■ voluntary liquidation (voluntary liquidation)
The voluntary liquidation, which the interest was too pay up is a procedure to continue to repay in three years reduced the debt by devote to the principal (in principle).
Through negotiations by lawyers and judicial scriveners, you can be exempt, such as interest and delay damages that occur in the future. It is ideal for those who want to pay back without difficulty debt.

■ self-bankruptcy (Mr. Jikowa)
Self bankruptcy, asked acknowledged that it is difficult to repay the debt in court, it will be legally lost to get the proceedings of all the debt.
It will be the most effective way is on to rebuild the future of life.

■ personal playback (deceased Saisei)
Individual play, asked admitted that it is difficult to repay the debt in court (difficult), it is a procedure that get significantly reduce the debt other than mortgage.
Future also that we pay a mortgage, or to maintain my home, you can protect a certain amount of property.

■ overpaid claims (overpayment come true old)
Overpaid claims, if you had continued to repayment of more than five years at an annual rate of more than 18%, overpaid money is there is a possibility that has occurred already by overpayment of interest.
Able to claim the overpaid money to moneylenders (consumer finance, etc.), will be the course of the rights of those who have been seriously paid a high interest to this. (Note: 10 years from the date on which the last repayment has elapsed, the rights of the overpayment claims will be extinguished.)