Debt Relief Lawyers in Hachioji City
Legal resources for debt relief issues in Hachioji City.
Consultation Resources
| Court | Tokyo District Court Tachikawa Branch |
| Bar Association | 東京弁護士会多摩支部 |
| Legal Aid | 法テラス八王子 |
| Free Consultation | 八王子市 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
Personal Bankruptcy in Japan: Procedure and Consequences
Guide to personal bankruptcy in Japan: procedures, consequences, and what assets you can keep.
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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