首例！4口病殘家 欠百萬卡債不用還 - 信用卡
By Jacky
at 2011-12-30T14:59
at 2011-12-30T14:59
Table of Contents
台北市江姓一家人積欠百萬元卡債，和銀行協商破裂，他透過法扶基金會聲請「免責」，
但銀行認為他消費的款項有在超市購買生活用品，還和出版社購買兒童刊物，算是奢侈消
費，不符合消債條例，但法官考量消費動機，認為江先生積欠的卡債都是必要花費，因此
裁准免責，債務一筆勾銷，創下首宗欠債人免責的案件。
戴著帽子、穿著雨衣的江先生，剛剛從清潔隊下班，他知道百萬卡債從此一筆勾銷，他鬆
一口氣。當事人江先生：「我們盡我們最大努力，真的不行，我們才走這條路，所以我真
的很感謝法官，感謝社會。」
江先生是第一宗欠債人免責的案例，9年前，妻子生下雙胞胎兒子，但這兩個小朋友需要
上特殊課程，妻子手又受傷，剩下江先生一個月兩萬多元的收入，他開始使用信用卡、現
金卡，以卡養卡，欠下1百多萬元。
江先生：「我們就是要非常節省，像我都是在家裡煮，都不敢吃外面。」
原本申請債務協商，但和銀行談判破裂，江先生透過法扶基金會，申請免責，銀行團認為
，江先生到超商買東西，還買兒童圖書是奢侈品，不符合消債規定。
但法官考量消費動機，超商買東西是生活所需，兒童圖書是補足小朋友沒錢上幼稚園的不
足，因此不算奢侈消費行為，裁定免還。當事人江太太：「發現這個卡債怎麼越滾越多，
然後就把它剪掉，就不要用啦。」
一家4口，住在10多坪大小的國宅裡，生活簡單，江先生被百萬的卡債嚇壞了，不敢再持
有信用卡。
--
學妹：上北一女是我的畢生志願
學長：我也是..........
--
但銀行認為他消費的款項有在超市購買生活用品，還和出版社購買兒童刊物，算是奢侈消
費，不符合消債條例，但法官考量消費動機，認為江先生積欠的卡債都是必要花費，因此
裁准免責，債務一筆勾銷，創下首宗欠債人免責的案件。
戴著帽子、穿著雨衣的江先生，剛剛從清潔隊下班，他知道百萬卡債從此一筆勾銷，他鬆
一口氣。當事人江先生：「我們盡我們最大努力，真的不行，我們才走這條路，所以我真
的很感謝法官，感謝社會。」
江先生是第一宗欠債人免責的案例，9年前，妻子生下雙胞胎兒子，但這兩個小朋友需要
上特殊課程，妻子手又受傷，剩下江先生一個月兩萬多元的收入，他開始使用信用卡、現
金卡，以卡養卡，欠下1百多萬元。
江先生：「我們就是要非常節省，像我都是在家裡煮，都不敢吃外面。」
原本申請債務協商，但和銀行談判破裂，江先生透過法扶基金會，申請免責，銀行團認為
，江先生到超商買東西，還買兒童圖書是奢侈品，不符合消債規定。
但法官考量消費動機，超商買東西是生活所需，兒童圖書是補足小朋友沒錢上幼稚園的不
足，因此不算奢侈消費行為，裁定免還。當事人江太太：「發現這個卡債怎麼越滾越多，
然後就把它剪掉，就不要用啦。」
一家4口，住在10多坪大小的國宅裡，生活簡單，江先生被百萬的卡債嚇壞了，不敢再持
有信用卡。
--
學妹：上北一女是我的畢生志願
學長：我也是..........
--
Tags:
信用卡
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