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和解交渉の対象である債権者を自由に選択することができ、裁判所を介さない手続ですので、身内に知られたくない方にも推奨されます。任意整理のポイントは、毎月の返済額がどの位可能かによるため、借入内容の詳細（債権者名や残金、取引期間など）に�

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