1. Case Overview
The debtor is a father in his 50s who once lived a diligent, ordinary life. However, at the request of his father-in-law, he took out loans to lend him money, which was then lost in a large-scale pyramid scheme. This financial ruin eventually led to his divorce. To make matters worse, a major traffic accident on his way to work changed his life forever. He was left with serious disabilities in his hands, neck, and back, and specifically developed strabismus due to optic nerve damage, making a normal social life impossible. Later, even the medical expenses he managed to save were lost to an investment scam, leading to extreme hardship and the cancellation of his registered address.

2. Case Specifics

Due to the after-effects of the accident, the debtor had almost no grip strength in his right hand, and his severe strabismus made general office work or manual labor extremely difficult. Having lived as a credit delinquent for a long time, his resident registration was canceled, and he was barely surviving through free housing provided by an acquaintance. Despite this, he possessed a strong will to take responsibility for his debts and hoped to start over through individual rehabilitation.

3. Legal Strategy

Law Firm Theo systematically organized and submitted objective evidence, including statements, certificates of business closure, and confirmation of free residence, to prove that the debt was caused by uncontrollable fraud rather than intentional negligence. By precisely analyzing his physical disability and income level, we drafted a repayment plan with the lowest feasible repayment rate and strategically managed the case to meet the court’s approval requirements.

4. Outcome

An approval was granted for an 11% repayment of the principal of general individual rehabilitation claims over a 36-month period. This allowed the debtor to establish a foundation for economic recovery under realistic conditions.

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