Possibility of Social Work action for Multiple Debtors

以岩手县居民支援中心、妇女自立协会、大坂社会福利联合会（社会贡献组织）为对象，对NPO的多重债务人支援情况进行了访谈调查。在对他们的支持中，主要是咨询和部分社会工作被用作社会贡献组织的一种策略。但是，这两种情况的支持都是地区性的。日本消费者金融协会的调查分析对咨询内容进行了分析，并整理出了需要考虑与社会福利相关的案例。CCS的访谈调查据威廉姆斯女士介绍，没有公共财政支持的CCS依靠的是佣金收入和票价分成。消费者是中产阶级，而不是低收入阶层。很明显，分担费用的比例正在下降。美国家庭预算管理与社会福利合作的调查--对史蒂文·安德森博士的访谈。饰Ms.Dory 关于我们 兰德进行了研究，并提出了针对低收入阶层的金钱教育计划的可能性。英国和法国多重债务人的现状和支持在英国，5%的人口有支付困难。政府和消费者团体正在积极努力解决这一问题。埃利奥特先生（DSFI）认为，三个主要因素：内部和外部压力、随意的家庭预算管理和贷款人的招揽。一半的法国家庭负债累累，数十万家庭过度负债。由于“La loi Niertz”的修订，在每个县设立了仲裁机构和“La commission de surendettement”，支持债务人。该委员会确认债务人的债务，通知债权人其干预，进行调解以使债务人和债权人达成协议，并为恢复计划准备协议。该委员会针对情况提出建议，该系统每年为10万个案例制定还款计划。“拉助社”贷款资金用于支付住房款。少

Interview Survey of the Support of Multiple Debtors by NPOThe Support Center for Iwate Residents, Women's Self-sustaining Association and The Osaka Social Welfare Consociation (Social Contribution Organization) were the subjects. In their support, mainly counseling and partially social work are used as a tactic for the social contribution organization. However, in both cases support was regionally limited.Survey Analysis of Japan's Consumer Finance AssociationThe content of consultations was analyzed and cases that need consideration in association with social welfare were sorted out.Interview Survey of the CCSAccording to Ms.Williams, CCS, which has no public financial support, relies on commission income and fare share. Customers were middle-class and not low income class. It became clear that the percentage of fare share was decreasing.Investigation of Cooperation between Household Budget Management and Social Welfare in U.S.Interview surveys with Steven Anderson, Ph.D. and Ms.Dory … More Rand were conducted, and the possibility of money education program aimed at low income class of IL. was investigated.Current Condition and Support of Multiple Debtors in England and FranceIn England, 5% population have difficulty with payments. There are active government and consumer group efforts dealing with this problem. Mr.Elliot (DSFI) argues that three main factors : internal and external pressure, haphazard household budget management, and solicitation by lenders.Half of French households are in debts, and several hundred thousand are excessively. As a result of revision of "La loi Niertz", arbitration agencies and "La commission de surendettement" established in each prefecture, supporting debtors. The commission confirms their indebtedness, informs the creditor of its intervention, mediates to get debtors and creditors to reach agreements, and prepares agreement for recovery plans. The commission makes recommendations for the situation, and the system draws up repayment plans for a hundred thousand cases each year. "La assistant social" loans funds for housing payments. Less