Life-Rebuilding Support for Over-Indebted Debtors

A Case Study of Okane-no-Gakko Kumamoto

Abstract

The purpose of this study was to determine effective methods for providing life-rebuilding support for over-indebted debtors. A counselor from Okane-no-Gakko Kumamoto was interviewed about her cases, and effective methods corresponding to life-rebuilding support were determined by observing changes in clients' conditions due to support consultations. The results indicated that effective methods included building trusting relationships, clarifying problems, and providing appropriate support. These correspond to the need for interviews to progress in a positive manner, which is a requirement for assisting clients in life-rebuilding. Another effective method involves respecting the self-determination of the client. This corresponds to recognizing the clients' own values which play an important part in life-rebuilding support.