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保証会社から一括請求!代位弁済って何?
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保証会社から一括請求!代位弁済って何?
1.
保証会社から一括請求!代位弁済って何?
2.
代位弁済の仕組み 借入先 保証 会社 債務者 ②滞納 ①貸金 ⑤一括請求 ⑥返済義務 ④弁済 ③請求
3.
代位弁済の仕組み 詳しく見ていきましょう
4.
代位弁済の仕組み まず債務者が 銀行などの 借入先からの 借金を滞納します 借入先 債務者 ②滞納 ①借入
5.
代位弁済の仕組み すると 回収が出来ないと判断した 借入先は保証会社に代わりに 支払うように請求し、 保証会社は弁済をします 借入先 ③請求 ④弁済 保証 会社
6.
代位弁済の仕組み 弁済をした保証会社は 債務者に対して 一括請求をします 債務者はこのとき 返済義務が生じます 債務者 ⑥返済義務 ⑤一括請求 借入先
7.
代位弁済で届いた一括請求の消滅時効はいつ? 代位弁済による一括請求にも 時効は適用されます ただ、 時効の成立は思ったよりも難しいです
8.
代位弁済は保証会社がついているときに起きる 借金をするときに保証人か保証会社かを 選択することが多いですが 代位弁済はこのときに 保証会社を選んでいるとおきます
9.
代位弁済をされても払えない時はどうすればいい? 代位弁済をされても払えないと 最悪の場合差し押さえされてしまいます
10.
代位弁済をされても払えない時はどうすればいい? 【一括請求が支払えないときの対処法】 ・保証会社と交渉して分割で支払う ・債務整理をして減額、後に分割で支払う
11.
代位弁済の一括請求に対応できないなら債務整理 債務整理をすると 借金が減額され、 一括でなく分割での支払いが可能になります
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