Possibility of Social Work action for Multiple Debtors

调查对象为岩手居民支援中心、妇女自给自足协会及大阪社会福利协会(社会贡献组织)。在他们的支持中，以咨询为主，部分使用社会工作作为社会捐助组织的一种策略。然而，在这两种情况下，支持都是有限的。日本消费金融协会的调查分析分析了咨询的内容，并整理了与社会福利相关的需要考虑的案例。根据威廉姆斯女士的说法，CCS没有公共财政支持，依靠佣金收入和费用份额。顾客是中产阶级，而不是低收入阶层。很明显，票价份额正在下降。美国家庭预算管理与社会福利合作调查--史蒂文·安德森、博士和多里·…女士访谈开展了更多的兰德教育，并有可能针对IL的低收入阶层开展金钱教育计划。在英格兰和法国，5%的人有支付困难的人口。政府和消费者团体正在积极努力解决这个问题。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索要。一半的法国家庭负债累累，数十万家庭负债累累。由于对《尼尔茨协议》的修订，每个县都设立了仲裁机构和为债务人提供支持的“仲裁委员会”。委员会确认他们的债务，通知债权人它的干预，调解让债务人和债权人达成协议，并为复苏计划准备协议。该委员会针对这种情况提出建议，该系统每年为10万起案件制定还款计划。“助力社会”贷款资金用于住房支付。较少

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