Translation guide
A person or agency that collects debts on behalf of creditors. In Japanese, the term depends on context, ranging from formal financial roles to informal or even illegal collectors.
A person or company legally employed to collect debts, often in a business or financial context.
Formal term for a debt collector, literally 'credit recovery person'. Used in legal and business contexts.
債権回収者が借金の返済を求めてきた。
A debt collector came to demand repayment of the loan.
Common term for a debt collector, often with a slightly negative nuance, implying aggressive collection. Used in everyday speech.
取り立て屋が毎日電話をかけてくる。
The debt collector calls every day.
Literally 'money collector', can refer to someone who collects payments, not necessarily debts. Less common for aggressive debt collection.
集金人が毎月家賃を集めに来る。
The rent collector comes to collect the rent every month.
A person who lends money at high interest and uses intimidation or violence to collect, often associated with the underworld.
Specifically a collector for illegal loan sharks (yami kinyu). Conveys the dangerous, criminal aspect.
ヤミ金融の取り立て屋が脅迫してきた。
A loan shark's debt collector threatened me.
Generic term for a debt collector, often used in the context of personal loans and can imply harassment. Common in fiction.
借金取りに追われて夜逃げした。
He fled in the night to escape the debt collectors.
Refers to collection by consumer finance companies (sarakin), which can be aggressive. The term 'sarakin' itself has a negative image.
サラ金の取り立てが厳しくなった。
The consumer loan debt collection became harsh.
An organization or division that handles debt recovery, rather than an individual.
A debt collection agency, a formal business entity. Often abbreviated as サービサー (servicer).
債権回収会社から手紙が届いた。
I received a letter from a debt collection agency.
Loanword from 'servicer', commonly used in financial industries to refer to a debt collection agency.
そのサービサーは多くの不良債権を扱っている。
That servicer handles a lot of non-performing loans.
Internal collection department within a company. Not a standalone agency.
回収部門に電話を転送します。
I'll transfer your call to the collections department.
Someone who gathers payments, dues, or fees, not necessarily in a debt recovery context.
General term for a person who collects money, such as for newspaper subscriptions or rent. Not inherently negative.
新聞の集金人が来た。
The newspaper collector came.
Can mean a collector of debts or payments, but less common than 取り立て屋. Slightly formal.
Directly translating 'debt collector' as 借金コレクター is not natural Japanese. Use the terms above depending on context.
Both refer to debt collectors, but 取り立て屋 emphasizes the profession or role, while 借金取り focuses on the act of collecting a specific debt and often appears in dramatic or negative contexts.
取り立て人が玄関に立っていた。
The collector was standing at the door.