A significant increase in misleading web advertisements surrounding debt restructuring has caused considerable financial harm to Japanese consumers, sparking serious concerns. These ads, often fraudulent, pose as legitimate credit counseling agencies and trick individuals into entering financial contracts that can amplify their financial problems rather than alleviate them. Public authorities have begun intervening to protect consumers and caution the public about the potential dangers of such online schemes.

In Japan, consumer protection is highly valued, and fraudulent financial activity is quickly clamped down on by authorities. The emergence and growth of scams involving misleading online advertisements about debt restructuring is viewed as a significant social issue. Given that Japanese society has an aging population, older individuals may be more vulnerable to such scams, hence the urgency in resolving the issue.

In the U.S. and EU, similarly misleading or fraudulent financial activities are also penalized heavily. Both regions place a strong emphasis on consumer protection, with regulatory bodies such as the Federal Trade Commission in the U.S. and European Consumer Centres in the EU providing guidelines and initiating actions to prevent such scams. The rise of such deceptive advertisements in Japan is akin to issues faced globally as internet usage increases.