Personal revitalization is one of the debt consolidation methods to reduce debt.
Unlike voluntary consolidation, where debt reduction is optionally negotiated with creditors, personal rehabilitation will definitely reduce debt as the debt reduction is determined through the court.
However, there are a lot of documents necessary for procedure for individual revitalization, and there are many cases that fail without being approved by the court and failing if you do not have a plan for repayment after debt reduction.
Therefore, it is considered to be very difficult for a person without specialized knowledge to carry out the personal reproduction procedure alone .
It would be better to ask an expert to reinvent the individual, but the worry is the cost.
If you ask a lawyer or judicial scrivener to reinvent your personal expenses, the total cost will be about 450,000 yen.
It may be hard to pay a large sum of 450,000 yen, but there is also a way to pay little by little, such as using installments and using the legal terrace.
This time, I will introduce the cost and payment method for personal reproduction.
table of contents
- The difference between the attorney’s fee for individual rebirth and the judicial scrivener’s fee
- Price of lawyer fee for personal reproduction is 300,000 yen
- Price of judicial scrivener cost of personal reproduction is 200,000 to 250,000 yen
- The difference in costs is because the procedure contents that can be handled are different
- Which should I ask for a lawyer or a judicial scrivener?
- The point of expert choice is whether or not the experience of personal rebirth procedure is abundant
- Expert who can consult about personal reproduction
- Earth Law Office (lawyer)
- Judicial scrivener corporation Sugiyama office (judicial scrivener)
- How to pay for the cost of personal reproduction
- How to pay attorneys’ fees and judicial scrivener expenses in installments
- No payment until delivery notification, start from next month of repayment stop
- Make personal installment payments in installments while paying mortgages without letting go of the house
- Attention point of installment payment of personal reproduction cost
- Method to pay personal reproduction committee reward (prepayment)
- Performance test example of remuneration (prepayment) to individual revival committee
- How to pay attorneys’ fees and judicial scrivener expenses in installments
- Person who can not pay lawyer’s expense for personal reproduction can use legal terrace
- Advantages and disadvantages of personal reproduction using the law terrace
- 【Summary】 There is a way to pay about 450,000 yen for personal renewal without money!
The difference between the attorney’s fee for individual rebirth and the judicial scrivener’s fee
A lawyer or judicial scrivener can request an individual reproduction complaint.
Lawyers tend to think that they are more expensive than asking a judicial scrivener because they have more procedures than judicial scriveners, but that is not the case.
When you play an individual, a person called the Individual Regeneration Committee is appointed, but asking a lawyer and asking a judicial scrivener differ in the amount of compensation paid to the Individual Regeneration Committee.
With personal reproduction committee
A lawyer who is well-versed in debt consolidation cases and is the person who conducts the property investigation and debt investigation of the petitioner and gives advice for revival. It is always appointed by the Tokyo District Court.
And if you ask a judicial scrivener, the rewards of the Individual Revitalization Commission will be higher.
In other words, the total cost of personal rejuvenation does not differ much from asking a lawyer or asking a judicial scrivener .
Let’s take a closer look at the details of the personal renewal costs of lawyers and judicial scriveners, and the details of the procedures that each can handle.
Price of lawyer fee for personal reproduction is 300,000 yen
The lawyer’s fee for personal rebirth is to pay the starting fee and the compensation fee .
Let’s take a look at the results of the remuneration survey conducted by the Japan Bar Association for lawyers in 2008.
This is in charge of the personal rehabilitation case, and represents the amount of remuneration received as a lawyer when the proposal for the rehabilitation plan of the method of paying 1 million yen in three years is approved.
|Start money amount||Percentage|
|Around 100,000 yen||13.5%|
|Around 200,000 yen||25.7%|
|Around 300,000 yen||47.4%|
|Around 400,000 yen||12.2%|
|Around 100,000 yen||18.3%|
|Around 200,000 yen||17.2%|
|Around 300,000 yen||8.9%|
※ Refer to the 2008 questionnaire result version “Indication of lawyer’s fee for citizens”
What this result shows is that most lawyers start at around 300,000 yen and do not separately claim as a success fee .
Depending on the perspective, some lawyers may claim that they have a low starting fee and, if the personal rejuvenation procedure is approved, a separate fee as a success fee .
Price of judicial scrivener cost of personal reproduction is 200,000 to 250,000 yen
Next, let’s look at the results of the survey on compensation paid to judicial scriveners by the Japan Association of Judicial Scriveners Association in January 2018.
|Average low 10%||Overall average||Average of high 10%|
|Hokkaido area||40,000 yen||219,333 yen||352,000 yen|
|Tohoku area||80,000 yen||213,049 yen||341,167 yen|
|Kanto area||34,660 yen||207,797 yen||353,556 yen|
|Central District||50,660 yen||207,108 yen||¥ 306,089|
|Kinki district||¥ 112,222||240,827 yen||¥ 306,089|
|China area||80,000 yen||207,939 yen||343,000 yen|
|Shikoku district||20,000 Yen||225,105 yen||324,000 yen|
|Kyushu area||46,700 yen||218,329 yen||321,082 yen|
※ Case where there is no mortgage, and if the principal is reduced, installment repayment is possible
※ “Average of 10%” means the average of 10% of low price and high price for the same request.
※ Reference: Japan Judicial Scrivener Association “Sensory on Remuneration”
Looking at the results, the average for the whole area is 240,827 yen, the highest for the Kinki area, and 207,108 yen for the central area, the lowest.
The national average does not seem to differ that much.
You can see that the difference between low and high rates within each region is large.
In the Kanto district, there is a price difference of over ¥ 300,000 (34,660 yen to 353,556 yen) by judicial scrivener in the same case.
In order not to be trouble about expense after personal reproduction procedure, let’s confirm whether it is conscientious amount of money or the charge is clear.
The difference in costs is because the procedure contents that can be handled are different
It turned out that the lawyer’s expense in the personal reproduction case is basically around 300,000 yen, and the judicial scrivener expense is the market price of 200,000 to 250,000 yen.
There is a difference in costs because lawyers and judicial scriveners can do things on behalf of clients.
Lawyers can handle all legal services.
On the other hand, judicial scriveners are limited in the work they can do.
Which should I ask for a lawyer or a judicial scrivener?
From the conclusion, there is no difference in the result of the personal renewal procedure whether you consult a lawyer or a judicial scrivener.
Judicial scriveners are limited in what they can do, but there is no risk that the procedure will not proceed or the plan will not be approved because of asking the judicial scrivener.
There is no need to worry, as personal rebirth committees (persons with legal qualifications) will be appointed and will give advice on rebirth procedures and revitalization plans.
The point to be careful is when you have to appear in court.
During the personal playback complaint, you may thing that hearing (newcomer) to conduct interviews with the judge in a court of law is carried out.
When a hearing is to be conducted, the person who made the petition must appear in the court.
At this time, a lawyer can accompany the hearing together, but in the case of a judicial scrivener, he can not accompany him, and only one petitioner will appear in court.
However, hearings are conducted only when the judge determines that the petition is necessary because there is an unclear point in the petition, a large amount of creditors, a large amount of credit, or a large private business owner.
It is safe to ask a judicial scrivener if there is no chance for a lawyer to appear as an agent with someone who is unlikely to be tried.
What I would like to put more emphasis on in choosing an expert is whether or not he / she has abundant experience and knowledge of the personal regeneration procedure.
The personal reproduction procedure is the most important and complicated document preparation for the petition.
After sending notification of acceptance to a creditor, there is a possibility that a lawsuit will be filed by the creditor and forced enforcement of property seizure etc. may be made because the petition is not filed in the court.
Rather than deciding whether to be a lawyer or a judicial scrivener, it will be easier to decide if you have a wealth of knowledge about personal reproduction.
Points when choosing a lawyer and a judicial scrivener
- Recommended by a lawyer
- There are many creditors
- Reproduction procedure of corporation scale
- When it is judged that there is a possibility that a lawsuit may be filed between acceptance-application
- Judicial scrivener recommends
- When leaving it from consultation of optional arrangement
- There is no need to worry about being sued by a creditor
Expert who can consult about personal reproduction
We introduce a law office (legal office) where you can consult anything about debt consolidation, including personal revitalization.
Most law firms offer free consultations, and it is possible to make consultations over the phone, but you can not make a request without seeing them when you actually make a request.
When choosing an expert, it is most important that you are friendly and consultative, and that the cost and payment method be explained in an easy-to-understand manner.
I do not ask easily just because the cost is cheap, I want to meet and consult directly and decide through each other’s hearts.
Earth Law Office (lawyer)
This is a lawyer office that responds to inquiries from around the world 24 hours a day.
First-time consultation free of charge, so if you have trouble with personal reproduction or debt, please consult once.
※ Other expenses
Talk to Earth Law Office
Judicial scrivener corporation Sugiyama office (judicial scrivener)
There are offices throughout the country, and business trip consultations will be available free of charge, so you can consult from anywhere in the country.
Because there is a judicial scrivener who is dedicated to debt consolidation, you can leave it with confidence.
※ Court fee 30,000 yen separately required
Consult the judicial scrivener corporation Sugiyama office
If you want to know how much your debt can be reduced before choosing a law firm, you can also use the anonymous debt reduction diagnosis .
How to pay for the cost of personal reproduction
As I wrote at the beginning, the total cost of personal regeneration is about 450,000 yen.
Depending on the area, it is also possible to go through the process of personal renewal at less cost.
|Tokyo District Court (including Tachikawa Branch)|
|lawyer||Attorney fee · · · 300,000 yen Reproduction commission compensation · · · 150,000 yen
Total amount … 450,000 yen
|Judicial scrivener||Judicial scrivener cost … 200,000 yen Regeneration commission fee … 250,000 yen
Total amount … 450,000 yen
※ As for the complaint without an agent, the amount of the standard compensation to the committee is set to 250,000 yen taking into consideration the burden of the rebirth committee, etc.
|Personal reproduction cost except Tokyo|
|lawyer||Lawyer’s expense ・ ・ ・ 300,000 yen
Total amount … 300,000 yen
※ There is also a case where a revival committee is appointed depending on the contents of debt.
|Judicial scrivener||Judicial scrivener expense … 200,000 yen Rebirth Committee fee … 15.2 to 200,000 yen
Total amount … 350,000 yen …
※ The standard amount of commission fee differs depending on each court. It may be about 100,000 yen depending on the region.
For those who are suffering from debt, this amount may feel astonishingly high.
However, there is no need to pay this ¥ 450,000 in one go.
A lawyer etc. is asked for personal rebirth procedure, and repayment will be suspended once notification of acceptance is sent to each creditor.
It is common to pay personal reimbursement costs in installments using the money spent on this repayment.
The reason for the repayment to stop once after sending the notification of acceptance is due to the effect of the law defined by the Money Lending Business Law.
The notice of acceptance states that “Please do not contact the person in accordance with the Money Lending Business Regulations Article 21 9 and the FSA’s administrative guidelines”.
<21, 9 of the Money Lending Business Act>
The obligor, etc. consigns the processing of the debt related to the loan based on the contract of the loan to a lawyer, a lawyer corporation, a judicial scrivener or a judicial scrivener corporation (hereinafter referred to as “lawyer etc.” in this issue), or Conduct necessary civil court proceedings in court, call a debtor, etc. and send a telegram to the debtor, etc. even if there is no justifiable reason when a lawyer, etc. or a court gives notice of that in writing. In addition, although it was requested that the debt be repaid by a method of transmitting or visiting using a facsimile machine or using a call from a debtor etc. Require repayment of the debt.
Source: Money Lending Business Law
When the repayment of the debt that has squeezed life has stopped until now, it will be possible to pay the lawyer’s expense and the personal rehabilitation commission fee.
It seems that lawyers’ fees and reinstatement commissioners are often instructed to pay in splits before the repayment of debt starts.
※ Please confirm the details of installment payment to the law office to request.
How to pay attorneys’ fees and judicial scrivener expenses in installments
Let’s look at an example of payment when making a personal payment lawyer fee or judicial scrivener fee in installments.
In this case, we will introduce zero payment to the notice of acceptance, and the method to start from the month following repayment stop, and the method to pay personal repayment expenses while paying home loan without giving up the house.
No payment until delivery notification, start from next month of repayment stop
※ We may adjust time of reproduction petition so that repayment start to creditor is after payment of lawyer expense.
After making a free consultation and sending a notice of acceptance to the creditor, the lawyer will start paying the day after the repayment has stopped.
Even if you don’t have money at the time of consultation, you can pay the lawyer’s expense with the money that was spent for repayment by stopping repayment.
If the lawyer’s fee is ¥ 300,000, then if you pay ¥ 50,000 every month, you can end payment before the repayment to the creditor starts, so it can be said that the burden is light on the debtor.
If you can not pay 50,000 yen a month, you can also pay 30,000 yen per month, but you may feel a burden because you need to pay in parallel with debt repayment even after the procedure is completed.
In some cases, you may pay 10,000 yen as a start money (down payment) after consultation, and then pay 30,000 yen to 50,000 yen every month at 10 times.
In this way, how to pay for personal renewal costs is decided by consultation with a lawyer or a judicial scrivener.
It may be the basis for choosing an expert who is right for you whether you can accept the consultation.
※ We may adjust time of reproduction petition so that repayment start to creditor is after payment of lawyer expense.
If you request a personal renewal procedure while paying a mortgage, the legal fees may be slightly higher.
But it is hard to pay a lawyer’s fee while paying a mortgage.
In such a case, we will consult with you properly and propose the amount of repayment and the number of repayments according to the applicant’s economic situation.
As shown in the example above, you may pay 35,000 yen 10 times and devise the timing of the petition for restoration so that payment of lawyer’s fees is completed before repayment to the creditor.
Attention point of installment payment of personal reproduction cost
There are three points that you need to be aware of when making separate payments for personal rebirth.
- Transfer on a specified day every month
When proceeding with the rehabilitation proceedings, it will be judged whether repayment can be continued after the proceedings are completed.
- Lawyers determine repayment ability in individual revitalization without revitalization committee
Some lawyers may be instructed to “transfer the bonus,” or “do not stop the transfer even after the installment is over,” but it is all for repayment ability and property investigations, so you should pay without worrying. Let’s continue.
It will be returned after the procedure is completed, but if you are uneasy you need confirmation.
- Confirm the payment method before making a request
Some of them have policy experts who will not accept the funds until the start-up money is accumulated.
Repayment will not stop if notification of acceptance is not sent to the creditor.
In that case, it will be double payment of repayment and accumulation, and the rebirth procedure will not progress easily.
At the time of consultation, let’s confirm the timing when acceptance, payment start and payment end.
Let’s talk properly and proceed with personal reproduction in a convincing manner.
Method to pay personal reproduction committee reward (prepayment)
Next, let’s look at how to pay for the Individual Regeneration Committee reward.
Whenever an individual revival committee is appointed, a performance test is conducted.
The name “performance test” is an operation unique to Tokyo District Court, but it will be conducted in almost all courts.
The details of the fulfillment test are as follows.
- In order to determine whether it is possible to continue the repayment of debt after decision of reproduction plan authorization, it transfers to the account designated by the personal rebirth committee every month for 6 months until authorization decision as payment advance payment.
- The amount of money transferred is one month of the planned repayment amount (listed on the petition).
- The 6-month advance payment received will be used as a reward for the individual revitalization committee.
If there is a proxy lawyer … 150,000 yen If there is no proxy lawyer … 250,000 yen
In this way, I will pay the Reinforcement Commission fee through the performance test.
Performance test example of remuneration (prepayment) to individual revival committee
※ The amount divided by the month changes depending on the amount paid to the Individual Regeneration Committee.
Payment will start from the month you filed for rebirth.
If the transfer to the personal reproduction committee is delayed, the individual reproduction committee will have the impression that “the payment after authorization is questionable” and there is a risk that the personal reproduction procedure may be disapproved, so it is absolutely avoided I want to see.
The money transferred in the performance test is called a prepayment and will be paid as a reward to the Individual Revitalization Commission after the case is over.
Also, just as with the legal fees, the performance test will be continued after all payment is paid, and the excess will be returned after the procedure is completed.
Please do not stop the transfer until instructed.
Let’s reaffirm how we paid for legal fees and personal reinstatement costs, which we have discussed so far.
To pay 450,000 yen for personal regeneration
- It is about 30,000 yen monthly installments of lawyer expense.
In many cases, payment is started from the acceptance.
- Remuneration fee to personal rebirth committee is around 30,000 yen a month.
Transfer starts from complaint and lasts about 6 months.
- During the period when the attorney’s fee and the transfer to the rebirth committee overlap, it is necessary to pay about 60,000 yen a month.
※ This example is described as an example of individual reproduction at Tokyo District Court. The amount will vary depending on the lawyer you are requesting and the court you are claiming, so be sure to check.
Person who can not pay lawyer’s expense for personal reproduction can use legal terrace
It turned out that it is necessary to pay two, a lawyer expense (judicial scrivener expense) and an individual revival commissioner’s fee, in order to revive an individual.
However, it is uneasy whether you can pay this personal reproduction cost without delay.
But if the monthly income is how much, can the expenses be paid reasonably?
According to a survey conducted by the Japan-Federal Federation in 2014, the average monthly income of those who carry out the personal rehabilitation procedure is ¥ 246,268.
- Monthly income is 20 to 250,000 yen (no bonus)
- There are many dependents
- Mortgages are left
Even if a person with such conditions regenerates an individual, the cost of proceedings can also make life worse.
“I want to leave my home, but I am having trouble repaying my debt.”
Even if you have such a problem, you can use the legal terrace to pay for the process of personal renewal.
The legal terrace is a public corporation responsible for the provision of information and services necessary for solving legal problems.
Here, we offer a service that repays the lawyer and judicial scrivener expenses necessary for personal regeneration.
You need to meet the following conditions to receive service.
- That income is below a certain level
- What can not be said that there is no prospect of winning
- Suitable for the purpose of civil legal aid (only fulfilling retaliatory sentiments and use for advertising is not possible)
Please refer to the following table for income of people who can use legal terrace.
※ See) law terrace
And personal reproduction expense using legal terrace becomes as follows.
- 1 to 10 companies … 162,000 yen
- 11-20 companies … 183,600 yen
- More than 21 companies … 216,000 yen
※ The start fee 35,000 yen is not limited to the number of creditors
Repayment will start from two months after the cost assistance is decided, but during the procedure it is possible to repay around 5,000 yen to 10,000 yen a month, also considering the advance payment to the individual revitalization committee.
It is the method terrace that I feel that the merit is great in terms of cost, but I will introduce it because there are disadvantages.
Advantages and disadvantages of personal reproduction using the law terrace
First, let’s look at the merits of the law terrace.
- If the conditions are met, the procedure fee will be replaced by a lawyer etc. and paid
- You can use it cheaper than regular lawyers’ expenses
- Consultation on repayment according to the economic situation
Next is the disadvantage of the law terrace.
- The experts introduced from the law terrace are not necessarily the ones they can trust
- The legal terrace takes a very long time to be used for the examination, and it is expected that the restoration procedure will be prolonged.
If you feel that the disadvantage is greater than the merit, do you have a law office that you want to use instead of having a lawyer or judicial scrivener introduce you from the law terrace? Please listen.
Especially in a large law firm, there may be a lawyer or judicial scrivener who has a contract with the law terrace, so let’s confirm if you decide to ask.
【Summary】 There is a way to pay about 450,000 yen for personal renewal without money!
It turned out that it costs an average of 450,000 yen for personal rebirth.
In addition to the cost (200-300,000 yen) for lawyers and judicial scriveners who request it, it means that a separate reward (1-25 million yen) will be required when an individual revival committee is appointed.
Since personal rebirth costs are paid in installments, there is little concern that they can not pay.
However, if the income is low and you can not pay even in installment payments, you may be advised to consider bankruptcy without allowing the recovery plan to be approved.
Even if your income is not high, you can use the legal terrace if you can repay the mortgage and the reduced debt after personal regeneration.
As the use of the legal terrace is not necessarily an expert that the user can be convinced and relied upon, consult and consider carefully.
The following points should be emphasized when asking an expert to perform an individual renewal procedure.
- [A wealth of experience] You can smoothly carry out from receiving to filing procedure
- [Knowledge rich] Lawyers and judicial scriveners have in-depth knowledge of personal renewal procedures
- [Conscientious] The cost is not extraordinarily high, and the fee form is clear
If you want to talk about personal rebirth, Earth Law Office (lawyer) or judicial scrivener corporation Sugiyama office (judicial scrivener) is recommended.