ねん
かせんぶ
ねん しゅが
かせんぶ
じてん しゅうせい
Cabinet
５－２－５　（2008年下線部・2009年朱書き下線部時点修正）
Chapter
Life and welfare
Section
Money and shopping
Contents
Level
２
Can't make a payment.
1　Possible question and background.
○ Large amount of loan.
○ Lost a job.
2　Basic question and answer.
Question I can't make payments because I lost my job.
Answer
Please contact with lawyer's group (Hou terrace) or other support group as soon as
possible. If their interest is over limit, (less than 100,000 yen loan 20％, less than
1,000,000 yen 18％ Over 1,000,000 yen 15％）you can ask your lawyer to file the
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Yokohama lawyer's group
Go to １３－８－１
Judicial scrivener society Yokohama city naka ku yoshihama chou 1
TEL：045-641-1389　Mon-Fri 13～16
TEL：045-641-6110　Mon-Fri 16～19
http://www.shiho.or.jp/index.html
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Japan judicial support (法テラス）
Mon-Fri　13:15～16:15
TEL：050-3383-5360　Kanagawa
Kawasaki
TEL：050-3383-5366　Odawara
TEL：050-3383-5370　Unsecured credit loan
Go to ５－２－４
Question I don't think I can pay back even if my payments are less.
Answer
You can file bankruptcy or try for personal reproduction by court order. Bankruptcy is
when you seld your house, car and other personal assets to clear your debt. personal
reproduction is giving you 3 to 5 years to make your payment smaller (Less than
50,000,000 yen) if you have income with payment plan. Please contact with your lawyer
as soon as possible.
3　Basic information
Multiple debtor
Debtor having debt to several financial institutions. For the return of the debt, a vicious circle
occurs by borrowing money from another financial institutions, It is the actual situation that the
debt ahead has much so-called consumer credit financed without security (消費者金融).