Ask her husband. I don't know where he is. Was the man abandoned? How pathetic. I don't know anything about this woman! I don't know! There's nothing here even if you come! Go home! Return the money her husband took! Wake up! Can't you see what's going to happen from now on? Why should I, who has nothing to do with this, be treated like this! Black-market lenders refer to unregistered moneylending operations that have not registered with national or local governments as legal lending businesses, or those officially registered but charging interest rates violating the Interest Rate Restriction Act. Lending businesses are required by law to register with national or prefectural authorities, but black-market lenders operate without registration, impose exorbitant interest rates, and completely disregard human rights. Furthermore, some registered lenders still engage in illegal debt collection practices. Legal lending operations require substantial capital investment, whereas black-market lenders typically obtain funding from anti-social forces such as organized crime syndicates, funneling portions of their profits back to these groups. Black-market lenders are often closely tied to yakuza organizations, although privately operated underground lenders also exist. For example, some lend 20,000 yen and demand 12,000 yen interest every ten days—equivalent to an annual interest rate of 2,190 percent. These lenders advertise through direct mail, mobile phones, sports newspapers, utility poles, and public telephones, often targeting individuals who have filed for bankruptcy. Many initially lure borrowers with promises of low interest, then suddenly demand extremely high rates at the time of disbursement, while others run loan scams that fraudulently collect money under the guise of "guarantee deposits." Under the Lending Business Control Law, even if no actual loan is disbursed, unregistered operators who mediate loans or solicit customers via flyers and advertisements are still committing illegal unlicensed operations.
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