・基本的に自己破産と生活保護は無関係
・自己破産しても生活保護は受けられる
・ただし、借金がある場合は生活保護が受けられない場合がある
・生活保護受給者は法テラスを活用する事をオススメします
・自己破産と生活保護
いろいろ調べていると、「自己破産と生活保護の関係性」について疑問に思っていること、不安に感じていることが多く存在しているようです。
まず、結論から申し上げると、
「自己破産と生活保護は全く関係が無い！」
です。
自己破産しても生活保護は受けられますし、生活保護受給者でも自己破産は行えます。
しかしながら、後者の場合は少し違和感が残ります。
・生活保護の趣旨
参考までに、生活保護についての概要を説明しているページのリンクを張っておきます。
厚生労働省は生活保護の意義を、
「生活に困窮する方に対し、その困窮の程度に応じて必要な保護を行い、健康で文化的な最低限度の生活を保障するとともに、自立を助長することを目的する。」
としています。
ということは、生活保護で借金の返済を行うことは、この趣旨に反します。
借金の返済が可能ということは、健康で文化的な最低限度の生活を維持したまま返済を行っているということになりますので、最低限度以上の保護を受けているということになります。
・一般的な手続（申立）の順番
負債がある状態では生活保護が受けられません（借金返済は生活保護の趣旨に反しています。）
よって、生活保護を受給したい方は、
１．自己破産申立
２．免責決定の確定
３．生活保護申請
の順番になるのが一般的です。
しかし、これでは自己破産の申立から生活保護申請までかなりの期間が生じてしまいます。
それを回避するために、
「自己破産申立と生活保護申請を同時に行う」
という手法をとります。
これにより、大きなブランクを生じさせること無く、生活保護を受給できるようになります。
・法テラスの活用
普通に弁護士事務所に依頼すると、費用がかさみます。
そこで、「法テラスの活用」をオススメします。
法テラスを活用すれば、相談料は無料ですし、援助費用も返済猶予されます。
状況によっては、免除される場合もありますので、まずは法テラスに相談に行かれたほうが良いでしょう。
下記リンク先に「法テラス」についての記載がありますので、参照してください。
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