Question from a reader:
I fell victim to a side job scam and ended up with a debt of 3.3 million yen. I have decided to go for voluntary debt consolidation and will be paying 85,000 yen monthly, but I also plan to start a side job in addition to my main job. Is there anything else I can do from
Question from a reader:
If I have unpaid electricity or phone bills, will my electricity or phone service be cut off suddenly? Or will I receive reminders by mail or email?
Unpaid electricity and phone bills are a very important issue in our daily lives. To understand this issue, it is essential to grasp
Question from a reader:
I am a multiple debtor. I am able to make my monthly repayments without any issues, and I enjoy seeing my debt decrease little by little. Is this something strange?
Being a multiple debtor generally carries a strong negative image due to the potential for significant financial burden. However, in cases like
Question from a reader:
I have taken out a loan from a consumer finance company and am currently in default. If a certain period passes and I can no longer be contacted, is it possible for them to reach out to my workplace or part-time job? I’ve heard that contact from consumer finance companies is prohibited, but while they can seize
Question from a reader:
I have a question about personal rehabilitation. Last month, I asked a judicial scrivener for help with personal rehabilitation. The scrivener was referred to me by a bank representative. Currently, I am in the first month and keeping a household budget, and I have another meeting coming up. However, I have received several reminders for credit payments,
Question from a reader:
I saw information that the leader of the “Party for Everyone to Create Together,” who received a decision to start bankruptcy proceedings from the Tokyo District Court, traveled to Jeju Island without the court’s permission. It is said that Article 37, Paragraph 1 of the Bankruptcy Act does not have any penal provisions, but if the party
Question from a reader:
I have a question about loans. I borrowed 1 million yen at an annual interest rate of 5%, and the due date is July 31. I believe the interest until the due date is calculated at an annual rate of 5%, but will a penalty of 20% apply after July 31? I would appreciate your guidance.
Question from a reader:
If A, B, and C companies have lent me money and my salary is being garnished because I can’t repay, will a quarter of my salary be deducted? Also, what happens if a garnishment comes to my house and there are no assets to seize?
Hmm, this
Question from a reader:
I borrowed money from a consumer finance company in the past and have now paid it off, but recently I’ve been thinking about borrowing money again because I’m short on entertainment expenses. Do people who have paid off their debts think, “I never want to borrow again” based on their experiences? I want to know how they
Question from a reader:
I received a letter from the court regarding overdue payments on my PayPay card. How should I write my response to avoid having to appear in court? If anyone has experience, please give me some advice.
Hello everyone. Today, I want to discuss a somewhat heavy topic: overdue payments
