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1. Costs – No Win No Fee!

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only.

2. Coverage in Japan

Japan is divided into 47 prefectures. This includes two urban prefectures (Osaka and Kyoto), one territory (Hokkaido) and one metropolis (Tokyo). Our local office is in Tokyo so we are well positioned to recover debts throughout the entire country.

3. Local Experience

Unlike many of our competitors all cases are handled by the local office or partner. The reasons for this are they speak the debtors’ language in this case Japanese and we understand the local cultures and know all the legal processes. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in Japan

5 years for commercial and 3 years for consumer but there are special exemptions so whatever the age please contact us and we will advise if we can assist with your claim

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Japan Debt Collection Services – No Win No Fee


Creditreform operates a global specialist International debt collection service. We have local offices and fully approved expert international debt collection agency partners in every country worldwide. All our International debt collection agency partners and offices operate on a No Win

No Fee basis charging an agreed commission against monies recovered only. In Japan, the debt collection process is normally started by an attorney.

Main reasons why a local country debt recovery agency is so important rather than trying to recover from a debt collection agency UK are as follows:

The local International Debt collection Partners know:

  1. The local cultures
  2. The languages
  3. The laws
  4. Are in the same time zones


Herewith details of our debt collection service Japan:

Location of debt recovery office in Japan?

Rapport Haraguchi 2F, 18-12, Taishido 4-chome, Setagaya-ku, Tokyo 154-0004, Japan

Number of debt collection staff?

Less than 10 staff

How long have you been operating a debt recovery service in Japan?

Since 2003

What type of debt collection services do you provide? Do you do commercial debt recovery (B2B) and consumer debt recovery (B2C)?

We do both commercial (B2B) and consumer (B2C) debts

Statue of Limitation in Japan?

Consumer debts, 10 years in general and commercial debts 5 years in general.
Please note that the statute of limitation period will be changed from April 1, 2020.

How EU (European Union) laws effect debt collection in Japan?

Data protection law would effect debts collection in Japan.
The governing law of the contract can be EU law in accordance with the conflict of law of Japan.
UK law is popular because of the predictability of the consequences in Japan.

How many companies registries in Japan for businesses (i.e. UK has just 1 central registry)?

We have 8 legal affairs bureau in each location where 8 High Court is located.
We also have 42 local legal affairs bureau in the place where the district court is located (other than the place of the location of the High Court of Japan).

What is the debt collection process in Japan?

Upon the receipt of the request of the debts collection, we have reviewed the relevant documents carefully and check whether the debts can be collectable and sufficient documents are provided by the debtor or attorney or debts collection agencies to us.

We then check the conflict of the interest as to whether we have already received the debts collection requests from the other creditors.

We then contact the debtor by e-mail, mail and phone.

If we fail to persuade the debtor to pay the debts amicably, we asked the creditor, its attorney or collection agent to collect the debts legally or through litigation or arbitration.

Average length of time to collect a debt?

3-6 months.

Can late payment fees / interest to be added to claims?

It depends on the governing law of the contract under which the debs are accrued.
Under the laws of Japan, default interest rate of 5-6 percent can be collectable.

Specialist Debt Recovery Experts

There are many unique requirements to recovering international debts in all countries including Japan debt collection services which differ from the UK and therefore it is very important that cases are handled directly by our expert international debt collection agencies and not from debt collectors UK. This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover debts from a UK debt collector only. Using the local offices and partners enables us to achieve a far greater success rate and our No Win No Fee service together with competitive commission rates against monies recovered only ensures you get the best service.

“We are pleased with the friendly and efficient service of Adrian Harding and staff at Creditreform in collecting outstanding overdue debts on our behalf. Some accounts, especially those located overseas have been difficult customers but we are pleased with the high rate of success. We also appreciate that they keep us informed and constantly updated on the progress of the collection”
Bryan de Beer, Phoenix Fragrances
“Within 48hrs of Creditreform being involved a resolution was agreed and within the week paid in full. The professionalism of the Creditreform team was second to none and I would and indeed do recommend them to colleagues in a similar difficult position This situation was the first time we have had to employ a company for debt recovery and it was good to feel that you have someone else ‘on your side’.”
Dean Lake, Lake Contracts
“We have been using Credit Reform for a number of years now and we have always been dealt with in a professional and friendly way. Over time, Creditreform have managed to achieve good results for us. Would definitely recommend.”
Anna Zhakrova, Catering Hygiene Specialists Ltd
“I have worked with Creditreform for many years and always received a first class service. Keep up the good work”
Russell Hardwick, MSC Industrial