Debt Relief Lawyers in Tama City
Legal resources for debt relief issues in Tama City.
Consultation Resources
| Court | Tokyo District Court Tachikawa Branch |
| Bar Association | 東京弁護士会多摩支部 |
| Legal Aid | 法テラス立川 |
| Free Consultation | 多摩市 市民法律相談（予約制・無料） |
About Debt Relief
Three Debt Relief Options
Japan offers three main approaches to debt relief, each suited to different financial situations.
Overpayment Claims (Kabarai-kin)
Before the full implementation of the revised Money Lending Business Act in June 2010, many consumer finance companies charged interest rates in the so-called "grey zone" — above the Interest Rate Restriction Act limits (15-20% depending on principal) but below the Investment Act ceiling (29.2%).
Related Articles
Complete Guide to Personal Bankruptcy in Japan: Procedures, Costs, and Consequences
A comprehensive guide to personal bankruptcy in Japan: eligibility requirements, the difference between summary and full proceedings, costs, occupational restrictions, non-dischargeable debts, and comparison with debt consolidation alternatives.
Debt Restructuring in Japan: Voluntary vs. Court-Supervised Rehabilitation
Comparison of voluntary debt restructuring and individual rehabilitation in Japan, including mortgage protection provisions.
Individual Rehabilitation in Japan: Keeping Your Home While Reducing Debt
Guide to individual rehabilitation (kojin saisei) in Japan, allowing debt reduction while keeping your home.
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