個人再生のデメリット

個人再生のデメリット

個人再生のデメリットはどのような点にあるのでしょうか?個人再生はどのような債務について行えるものではないのです。
個人再生を行った後は、減額になった借金を計画的に無理なく返済していくことが必要になってくるのです。
ここで重要になってくるのが無理なくという点であるのです。
ですから、一定の収入があることが必要になってくるのです。さらには、返済対象の債務が一定の収入にたいして無理なく完済可能であることが必要であるのです。
無理のないものであるかどうかというかについては、裁判所が判断を下してくれるのです。
個人再生が行えない場合には、他の債務整理の方法を選んでいく必要があるのです。
借金返済
仮に個人再生を行えたとしても、その後はブラックリストにその情報が記載されてしまうことになるので、5-7年ほどはローンを組んだり、クレジットカードを作ることが出来なくなってしまうのです。これはかなりの不便を余儀なくされることになってしまうのです。
また、個人再生を行った債務に保証人がいる場合には、借金の督促が保証人の方にいくことにもなってしまうのです。
保証人の承諾なしに、個人再生の手続きを行ってしまうと保証人との間の人間関係にトラブルを起こしてしまうことにもなるのです。
また、保証人の方が借金を返せないということになってしまうと、保証人の方も債務整理を行う必要がでてきてしまうのです。
つまりは、個人再生はメリットもあるのですが、多くのデメリットもあるので、その点は大きく注意が必要になってくるのです。

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