A comparative study of legal policy on consumer debts collection devices."; First, I will research how consumer debtors are protected from unreasonable debt-collection activities under state and federal law in the U.S. Second, I will research whether creditors can expeditiously collect outstanding consumer debts outside Bankruptcy Law. Third, I will study many cases under CHAPTER 13 of Bankruptcy Reform Act of 1978, which provides for certain articles concerning the bankruptcy of an individual with a regular income. Finally, I will compare the consumer debts collection devices in the U.S. with those in Japan, and will attempt to find specific differences of legal policy between American Law and Japanese Law.