The Hell of 100 Million Yen in Debt... A Person in Their 20s Who Paid It Off in 7 Years. Ver11
"Management Techniques for Developing People - YouTube"
― From that moment, the real hell began ―
"This might be the end."
That is what I thought as I commuted to the Okinawa District Court.
I did not file for mediation just once.
Four times.
Each time, I gathered documents, bowed my head, explained my situation, and tried to reconnect with hope.
At the time, my debt was approximately 98.7 million yen.
With accumulated late fees, it had alreadyexceeded 100 million yen.
Even so, I wanted to believe there was an "exit" within the system.
However, what I received in return was—
a dismissal of mediationruling.
The moment I heard those words,
I felt as if the sounds of the world had dropped a notch.
It wasn't anger or sadness.
It was just thatthe ground fell out from under me.
Until then, I think there was a part of me that felt, "Even though it's painful, I'm still protected."
That feeling vanished with a loud crash.
And from that day on, reality changed.
■ When the system ends, fear becomes a daily occurrence
After the mediation was dismissed,
the nature of the debt collection clearly changed.
Phones ringing from morning until midnight.
When I went outside, I felt like someone was watching me.
When I was at home, my body would jump at the sound of the front door.
Even if you run, they will always come.
Workplaces, acquaintances, family.
The places I was involved with became "unusable" one after another.
My destinations were disappearing one by one.
When a person is pushed this far,
they stop thinking about the future.
It's no longer about "what will happen tomorrow," but only about
"how to get through today."
It was a state of being alive, yet
somehow just "being kept alive."
■ When hope breaks, people quietly fall apart
Just because the mediation failed,
it didn't mean I immediately fell into despair.
What was scarier, rather,
was the moment I realized I was "no longer surprised by anything."
No matter what news I heard,
my heart remained unmoved.
I had no expectations.
I felt no anger.
When people lose their emotions, they begin to break down.
Back then, more than the fact that
“I had been abandoned by the system,”
I did not realize that I was no longer able to protect myself.I was unaware of it.
■ Even so, this experience would later have meaning
Now, in the fields of management and human resource development,
I speak about the importance of “peace of mind,” “words,” and “dialogue.”
That is not just theory on paper.
It is because I learned with my own body how a person breaks downthe moment the system cuts them off.
The termination of mediation was not the end.
It was simply the moment I was told,“From here on out, you have no choice but to survive with your ‘heart.’”
Next time,
I will write about the “few hours when all escape routes completely vanished”
that occurred after that mediation was terminated.
The deeper parts of this article are written in more detail in Act 1, Act 2, and Act 3.
【Kindle Guide: Philosophy of the Heart Series】
Act 1: Management Techniques for Developing People — Akira Higa's Life Philosophy (Chapters 1–20)
Management Techniques for Developing People — Akira Higa's Life Philosophy Act 1 | Akira Higa | Books | Mail Order | Amazon
Act 2: The Philosophy of Successor Development and Human Relationships (Chapters 21–43)
Management Techniques for Developing People — Akira Higa's Life Philosophy Act 2 | Akira Higa | Books | Mail Order | Amazon
This is a series where you can systematically learn business, human resource development, and the philosophy of the heart.
I have compiled deeper stories here that I cannot write about on NOTE.
Act 3: The Hellish Days of Having About 100 Million Yen in Debt in My 20s and Paying It Off in 7 Years (Chapters 45–57)
Management Techniques for Developing People — Akira Higa's Life Philosophy Act 3 | Akira Higa | Books | Mail Order | Amazon
📘 Announcement of New Publication (Quiet Commercial)
The content I have written in this NOTE is a part of the record of what I actually experienced and continued to think about
while I myself was rising from the bottom of my life.
I have now compiled these into one book,
“Management Techniques for Developing People — Act 3” which I have published.It is not a success story.
It is not a book that provides answers.
It is simply a book
in which I honestly wrote about “the reason why I continued to be involved in people's lives despite everything.”
If you are currently
at a standstill.
If you are unsure about how to engage with others.
I would be happy if you could open only the necessary pages
when you need them.
If
this writing
has touched
some part of your life.
I have left the continuation
on my paid NOTE.