Private rehabilitation Basically, personal regeneration is not done by yourself, but left to an expert Let's leave personal regeneration to an expert Those who are considering debt consolidation, especially personal rehabilitation, are in trouble with money, so you probably don't want to spend too much money on debt consolidation. However, it is safer to leave personal rehabilitation to specialists such as lawyers and scriveners rather than doing it yourself. If you leave it to the experts, you will get more benefits than you pay. You can get in between the creditors First of all, as with other debt consolidations, having an expert between the debtor and the creditor eliminates the collection from the creditor. The lawyer who receives the request from the debtor sends a "notice of acceptance" to the creditor to inform the creditor that he / she will represent the debtor. When the notice of acceptance arrives at the creditor, the creditor cannot request payment or make a collection. This alone is a big advantage for debtors because there is no collection. This can be said for all debt consolidation requests, so if you are having trouble collecting your debt because you cannot repay it, you should give a free consultation for early debt consolidation resolution . I can leave everything to you The debtor works to repay the debt while repayment. It is quite difficult to complete the procedure for personal rehabilitation while working. With voluntary arrangements and specific arbitration, you can create documents without having a very high level of specialized knowledge, but when it comes to personal reproduction, that is not the case. The procedure for personal rehabilitation requires a high degree of expertise, and not many debtors have that knowledge. You have to study again, which wastes time and effort. On the other hand, lawyers and scriveners are legal experts, so they have a lot of experience in filing personal rehabilitation claims. You can quickly and reliably submit a petition for personal rehabilitation to the court, during which the debtor can lead a daily life. その代わりかかる費用についても、弁護士や司法書士もしっかりと考えてくれます。今の手持ちのお金が無くても何とかなりますので、まずは債務整理で必要となる費用と料金を見ておきましょう。 万が一の事態にも対応できる 個人再生の手続きをしていても、そのままスムーズに事が進むとは限りません。個人再生をされると返ってくるお金が減少してしまいますので、それを嫌う債権者は裁判を突如起こす場合があります。 さらに、強制執行の手続きに入る可能性もあり、自分だけでやろうとすると個人再生手続きのみならず、裁判や強制執行の対応もしなければなりません。これでは体がいくつあっても足りませんよね。 そんな時、弁護士や司法書士などの専門家であれば、万が一の事態にも迅速かつ確実に対応できます。専門家はそのような経験も豊富ですので、債務者自身が行なうよりもより的確な対応をしてくれるでしょう。 専門家が万が一の事態に対応しているとき、債務者は返済の原資となる労働に精を出すことができるのです。 自己破産は最終手段となる 2016/02/01 17:43:01 | 債務整理にはいくつかの段階があります。まずは任意整理から始まってそれでも難しい場合には特定調停を、さらに借金で苦しむ場合には個人再生で打開を図り、それでも無理となりますと自己破産という流れです。つまり、自己破産は債務整理の最終手段ともいえるものですが、個人再生の間にはどのような違いがあるのでしょうか。個人再生はマイホームを手放さなくてもよい個人再生と自己破産を考えるとき、マイホームの存在が大きく左右します。自己破産をすると、マイホームは手放さなければなりません。そのマイホームの住宅ローンを返済中であっても手放さなければならないのです。借金はなくなったが住むところもなくなってしまっては、生活の基... ≫この記事の続きを読む 特定調停の方が手軽である 2016/02/01 17:43:01 | In debt consolidation, specific arbitration is a debt consolidation that is not often used. What do they have in common with private rehabilitation and what are the differences? Debt Consolidation Performed Through Courts Both personal rehabilitation and specific arbitration have in common that they are both debt consolidations conducted through courts. In specific mediation, the mediation committee members of the summary court intervene to bridge the negotiations between the creditor and the debtor. It is common to personal rehabilitation and specific mediation that you should not be absent without a justifiable reason if there is a call from the court. There is a debt reduction effect that is personally rehabilitated From the perspective of the debt reduction effect, there is no doubt that there is more personal rehabilitation than specific arbitration. In the case of specific mediation, the mediation committee members of the summary court are in between ... ≫ Read the continuation of this article Fundamentally different from voluntary arrangement 2016/02/01 17:43:01 | There are various means other than personal rehabilitation for debt consolidation. This time, let's look at the difference between private rehabilitation and voluntary arrangement. Private rehabilitation has a court in between For personal rehabilitation, a court is in between the debtor and the creditor. On the other hand, in the case of voluntary arrangement, the debtor and the creditor negotiate directly. Since it is a direct negotiation, if the negotiation is not completed, the voluntary arrangement will fail. Since there is a court in between for personal rehabilitation, there is a high possibility that negotiations will be concluded, which will be legally binding. Private rehabilitation has a greater effect on debt reduction Among debt consolidation, voluntary consolidation is debt consolidation with the least effect on debt reduction. Rather than reducing debt, adjust the repayment period and monthly repayment amount ... ≫ Read the continuation of this article menu Fundamentally different from voluntary arrangement Specific arbitration is easier Self-bankruptcy is the last resort site map Copyright (C) 2016 It is basic to leave personal reproduction to an expert instead of doing it yourself All Rights Reserved.