If a debtor does not pay one million yen although he or she is obliged to pay it, the creditor will sue the debtor and get the decision from the judge that orders debtor to pay one million yen to the creditor.

When the debtor does not pay it voluntarily in spite of receiving the order, based on the decision, the creditor can appeal a compulsory execution to the court.

That is, the creditor can have the court attach the debtor’s properties, convert them into money, and use it for the payment of the creditor’s account receivable.

By the way, it is rare that the debtors who cannot pay anything own a real estate.
Therefore, even if the creditor has the right to attach the debtor’s property, in most cases, the creditor can only attach the money in the debtor’s bank account.

However, in Japan, the attachment system to the bank account does not work well.

Since if the creditor tries to appeal the attachment of the money in the debtor’s bank account, it is interpreted that the creditor needs to identify the debtor’s bank account as to what bank and what branch the debtor’s bank account belongs to (but not needed the number of the debtor’s bank account.) 

In Japan, there are a lot of banks and each banks have a lot of branches.

Usually, creditors do not know about which bank or which branch debtors have their account in.

Especially, if there are no continuous deals between the creditor and the debtor, for example if the creditor is the victim of a tort case, the creditor do not know the information about debtor’s bank account.

And even when the creditor knows the debtor’s bank account information, if debtor changes his bank, the debtor can easily escape the attachment.

From above, In Japan, the effectiveness of the civil judgment is extremely weak and it has been said that civil judgment is like “a Rice cake, which drew a picture” or “completely useless less that shit”.

However, according to the article of Asahi DIGITAL dated on August 5, 2016,

Ministry of Justice will try to implement the system that makes financial institutions disclose the information about the account that was owned by the person who owed obligation to pay and was judged to pay it in the court, in order to prevent the nonpayment of the compensation or the expense of bringing up a child. (translated by Hiroshi Tobita)

This is aimed at using compulsory execution easily in the court. In this autumn, Ministry of Justice will seek an opinion about the draft of revision of Civil Execution Act to Hosei Shingikai that is an advisory body of a minister of Justice, and try to submit it to the parliament in about 2018.

According to the article, the details of the Act  are as follows: 

Under the revision draft of the Act,creditors may request the court to investigate whether the debtor has his/her account in financial institutions in which the debtor supposed to have an account such as a bank around the debtor's address.
The court inquires it to the financial institution, and if there is a debtor's account, the court will order each headquarters of the financial institutions to disclose the branch name that has accounts to be attached, the kind of the account, the balance of the account, on so on.

Creditors do not need specify the name of financial institutions where debtor has his/her account. It is enough to get some idea of them.  (translated by Hiroshi Tobita)

This is a good news in Japanese judicial circle.

Recently, the number of the cases in the court has been inclined to decrease. I think this is because not only the populations of Japan is decreasing, but also there is a common recognition that the court in Japan is not useful. 

If civil judgement is not effective, Yakuza (Japanese mafia) will be rampant to debt correcting works as old time.

I hope this revise will make civil judgement of our country more effective and useful.