Fee
| Fee(tax inclusive) | |
|---|---|
| Statute of limitations 時効援用 *when the debt amount per creditor is 1.4 million yen or less（excluding interest）. | JPY 44,000 for a creditor JPY 22,000 after second creditors + postage fee |
| Debt Settlement｜Negotiation with the creditors 任意整理 *when the debt amount per creditor is 1.4 million yen or less（excluding interest). | JPY 33,000 per creditor + postage fee |
| Rehabilitation for individuals 個人再生 | JPY 220,000～ + postage fee ＋revenue stamps for court |
| Bankruptcy 自己破産 | JPY 220,000～ + postage fee＋revenue stamps for court |
In principle, a face-to-face consultation is required for debt settlement services. Please note that if you reside in Japan, you should generally consult with a judicial scrivener or lawyer in a location where a face-to-face consultation is possible.
Statute of limitations ｜時効援用
If a creditor has not effectively claimed a debt for a certain period (often 5–10 years, depending on the claim), the debtor can formally assert the statute of limitations so the obligation is treated as extinguished.
This usually requires a clear notice (for example, by certified mail) and is only possible if there has been no valid interruption such as a lawsuit or payment.
Please note that the amount that a judicial scrivener can handle is when the debt amount per company is 1.4 million yen or less（excluding interest）.
Debt Settlement｜Negotiation with the creditors ｜任意整理
This is a private negotiation with creditors, usually through a lawyer, without going to court.
The aim is to reduce or eliminate interest and reschedule payments over a few years so the debtor can realistically repay.
Please note that the amount that a judicial scrivener can handle is when the debt amount per company is 1.4 million yen or less（excluding interest）.
Rehabilitation for individuals｜個人再生
This is a court-supervised procedure that can reduce total unsecured debts, often to around one-fifth to one-tenth, with repayment over about 3 to 5 years.
It is suitable for people with stable income and can sometimes allow them to keep assets such as a home under special rules.
Bankruptcy ｜自己破産
In personal bankruptcy, the court can discharge most debts when the debtor is unable to pay, although some obligations like certain taxes may remain.
The debtor may need to liquidate valuable assets, and there are temporary restrictions on some licenses and positions.
In Japan, there is a public legal aid service called “Houterasu|法テラス” (Japan Legal Support Center). It can help low‑income non-Japanese residents pay legal fees in advance when they meet certain income and asset requirements.
If you legally live in Japan and your financial situation is within the Houterasu standards, Houterasu may advance the fee for a judicial scrivener (shiho-shoshi) handling your case, for example in debt‑related matters. You then repay Houterasu in small monthly installments, often with very low or no interest, so you can get professional legal support even if you currently have no money.
WORKFLOW
It depends on the case, but the general workflow is as follows:
Initial consultation to assess the case.
Review of relevant documents and facts.
You will be provided with a quote of your case. If you agree, we will proceed to the next step. If you need it urgently, a rush fee will be added.
Regarding personal rehabilitation and bankruptcy, we will conduct a debt investigation with a credit reporting agency.
Regarding the statute of limitations, a notice of invocation of the statute of limitations will be sent to the creditor by registered mail.
Regarding personal rehabilitation and bankruptcy, we will file a petition with the court.
Payment of fee or initial fee will be made by the specified deadline. You need to transfer the amount to the specified bank account. Payment in installments is also possible, so please contact us for details.