Reviewed by Wichuda Atthamethakon, LL.M., Thai Bar Licence 3149/2556, for ThaiLawOnline, a Thai law firm acting for foreigners since 2006.
Update log
- 2 November 2026: Added the statute box with Thai, English and French text and checked the page against the official text
If youâre doing business or living in Thailand, you may eventually face a situation where someone owes you money and refuses to pay. Whether itâs a client not settling invoices, a tenant who left without paying rent, or a friend who never returned a loan, getting your money back can be frustrating. Thatâs when a debt collection lawyer in Thailand can make all the difference. We can help you whether you are in Bangkok, Pattaya, Phuket, Chiangmai or other areas.
Table of Contents
Debt recovery in Thailand involves legal procedures, negotiation, and sometimes court action. But the approach often depends on where you are in Thailand. Thatâs why having a lawyer who understands both the legal system and the local way things work is crucial.
Why You Might Need a Debt Collection Lawyer
Debt issues in Thailand can come from many situations:
- An unpaid loan to a friend or partner
- Business clients who ignore invoices
- Rental tenants who left without paying
- Unpaid services or salaries
- Cheque bouncing, still a criminal offence under the Act on Offences Arising from the Use of Cheques B.E. 2534, although a government bill to repeal that Act passed its first reading in the House of Representatives on 20 May 2026 and is now before a special committee; if it becomes law, a bounced cheque becomes a civil debt only
Unlike in some countries, not all debts in Thailand are easy to enforce. Even if you have proof, you may still need to go through a formal demand letter, then civil litigation, and in some cases a criminal complaint. A good lawyer can guide you through these steps while trying to negotiate a fair settlement first.
Agency or lawyer? What Thai law allows each to do
Debt collection is regulated. The Debt Collection Act B.E. 2558, in force since 2 September 2015, protects debtors who are individuals, including an individual guarantor (section 3). It binds creditors who lend or sell as a business: banks and other credit providers, anyone who buys the debt from them, businesses covered by the consumer protection law, and any creditor whose claim arises in the ordinary course of its trade. It also binds everyone acting for such a creditor: an agent, a collection agency, and a lawyer acting for the client (section 3). A company debtor is outside it, and so is a one-off private loan, for example between friends, because the lender is not in the business of lending.
Anyone who collects debts as a business must register with the registrar (section 5). Where that business is a lawyer or a law office, the Lawyers Council acts as registrar and can cancel the registration (section 6).
The conduct rules are what matter in practice. A collector may contact the debtor at the address the debtor gave, or, after reasonable attempts, at home or at work (section 9(1)), and only between 08:00 and 20:00 from Monday to Friday, or 08:00 to 18:00 on public holidays (section 9(2)). Third parties, other than a person the debtor named for the purpose, may be approached only to confirm where the debtor can be contacted, and must not be told about the debt, except that a spouse, parent or child who asks why they are being contacted may be told as much as is necessary (section 8). A collector must not threaten or insult, must not reveal the debt to people unconnected with it, and must not use a postcard or open envelope that shows a debt is being collected (section 11). Nor may anyone imply that the demand comes from a court or a government agency, or from a lawyer or law office when it does not, or state that a suit, a seizure or an attachment of salary is coming when it is not (section 12).
The penalties are real: up to one year in prison or a 100,000 baht fine for contacting third parties about the debt, insulting language, revealing the debt, and postcard or marked-envelope demands (section 39), up to three years or 300,000 baht for falsely dressing a demand as a lawyer’s or threatening enforcement that is not coming (section 40), and up to five years or 500,000 baht for threats of violence or posing as a court or state agency (section 41). Calling outside the permitted hours is not itself a crime: the committee orders the collector to stop and, if the order is ignored, imposes an administrative fine of up to 100,000 baht (section 34).
That is the practical difference between an agency and a lawyer. A lawyer can say that a claim will be filed and then file it. An agency cannot appear in court for you, and an agency, or anyone else, that threatens a suit, a seizure or a salary attachment that is not actually coming commits an offence under section 12(3). The Act binds us too, which is why our demand letters identify the creditor, the amount and the legal basis, and say only what we will actually do.
Being chased by a collector in Thailand?
The same rules protect you. A collector calling at midnight, telling your employer or your neighbours about the debt, or threatening to seize your salary when no such step is coming is breaking the Act, if the debt is owed to a lender or a business. Keep the messages, note the dates and times, and complain to the Debt Collection Supervisory Committee for your province, which the provincial governor chairs; in Bangkok the committee is chaired by the Metropolitan Police Commissioner (section 27). None of that cancels the debt; it limits how it may be collected.
One common enforcement route carries its own rules. Where a vehicle has been repossessed under a hire purchase agreement and sold, the finance company may pursue the hirer, and any guarantor, for the shortfall, but only if it gave the notices the controlled contract rules require and sold at a reasonable price. Our guide to hire purchase in Thailand covers the notice periods, the hirerâs right to buy the vehicle back before auction and the grounds for resisting a shortfall claim.
The law behind this page
English
Section 204
Once the debt is due, the debtor is in default only after the creditor gives a warning. Where the time for performance is fixed by calendar date (or can be counted by the calendar from a required notice), the debtor is in default without any warning if he does not perform on time.
Full text
Where the debt has fallen due and the debtor does not perform after the creditor has given a warning made after that time, the debtor is in default by reason of the warning. Where a time for performance is fixed by the calendar and the debtor does not perform at the time fixed, the debtor is in default without any warning. The same applies where performance must be preceded by notice and the time fixed is such that it can be computed by the calendar from the day of the notice.
ThaiLawOnline translation
Section 224Amended on 11 April 2021
During default a money debt bears interest at the Section 7 rate plus two per cent a year, or at any higher rate the creditor can lawfully claim on another ground. Interest on interest during default is not allowed, and proof of further damage is admissible.
Full text
A money debt bears interest during the period of default at the rate fixed under section 7 plus an additional rate of two per cent per year. If the creditor may claim a higher rate of interest on some other lawful ground, that interest shall continue to be paid accordingly. Interest upon interest shall not be charged during the period of default. Proof of damage other than the foregoing is admissible.
ThaiLawOnline translation
Section 193/30
Unless a more specific statute says otherwise, you have ten years to bring a civil claim before it becomes time-barred.
Full text
The period of prescription, when not otherwise specifically provided in this Code or in other laws, is ten years.
ThaiLawOnline translation
Section 653
A loan of money exceeding 2,000 baht cannot be enforced unless there is written evidence signed by the borrower. Where a loan is evidenced in writing, repayment can be proved only by written evidence signed by the lender, or by showing that the loan document was returned or cancelled.
Full text
A loan of money of more than two thousand baht cannot be enforced by action unless there is some written evidence of the loan signed by the borrower. Where a loan of money is evidenced in writing, repayment may be proved only by producing some written evidence signed by the lender, or by showing that the document evidencing the loan has been returned or has been cancelled by an endorsement on it.
ThaiLawOnline translation
Section 3 Debt Collection Act B.E. 2558
Full text
In this Act: âdebt collectorâ means a creditor who is a credit provider, a business operator under the law on consumer protection, a person who organises gambling as a regular business under the law on gambling, and any other creditor entitled to receive payment of a debt arising from an act done in the ordinary course of trade or as the creditor's regular business, whether or not that debt is lawful, and includes a person authorised by such a creditor, a sub-authorised person in debt collection, a debt collection business operator, and a person authorised by a debt collection business operator. âcredit providerâ means: (1) a person who provides credit in the ordinary course of trade; or (2) a person who purchases or takes a transfer of credit, at every subsequent stage. âcreditâ means credit given to a natural person by way of a money loan, a credit card service, hire purchase, leasing, and other forms of credit of a similar nature. âdebtorâ means a debtor who is a natural person, and includes a guarantor who is a natural person. âdebt collection businessâ means undertaking for hire to collect debts as a regular business, whether directly or indirectly, but does not include debt collection by a lawyer acting on behalf of the lawyer's client. âinformation on the debtor's place of contactâ means the debtor's residence or place of work, and includes telephone and facsimile numbers and places of contact by electronic mail, by electronic media or by other kinds of information technology media through which the debtor can be contacted. âCommitteeâ means the Debt Collection Supervisory Committee. âregistrarâ means a person appointed by the Minister of Interior with the duty of accepting registration under this Act. âcompetent officialâ means a person appointed by the Minister of Interior, on the recommendation of the Debt Collection Supervisory Committee, to perform acts under this Act. âMinisterâ means the Minister in charge of this Act.
ThaiLawOnline translation
Section 11 Debt Collection Act B.E. 2558
Full text
A debt collector is prohibited from collecting a debt in any of the following ways: (1) threatening, using violence or doing any other act that causes harm to the body, reputation or property of the debtor or another person; (2) using words or language that insult the debtor or another person; (3) notifying or disclosing the debtor's indebtedness to another person not concerned with the debt collection, except in the case under Section 8, paragraph two (2); (4) contacting the debtor by postcard, unsealed document, facsimile or any other thing that clearly conveys that it is debt collection, except a notice of mortgage enforcement by newspaper announcement where the creditor is unable to contact the debtor by another method, or any other case prescribed by notification of the Committee; (5) using on an envelope, in contacting the debtor, any text, mark, symbol or business name of the debt collector that makes it understood that the contact is for debt collection, except where the debt collector's business name does not convey that it operates a debt collection business; (6) collecting a debt in any other improper manner prescribed by notification of the Committee. Item (5) does not apply to debt collection in writing for the purpose of exercising the right to sue in court.
ThaiLawOnline translation
Section 12 Debt Collection Act B.E. 2558
Full text
A debt collector is prohibited from collecting a debt in a manner that is false or misleading, as follows: (1) displaying or using any text, mark, symbol or uniform that makes it understood to be the act of a court, a state official or a state agency; (2) displaying or carrying text that leads to the belief that the debt collection is carried out by a lawyer, a lawyer's office or a law office; (3) displaying or carrying text that leads to the belief that a case will be brought, or that property or salary will be seized or attached; (4) making contact or presenting oneself so as to lead to the belief that the debt collector acts for, or is engaged by, a credit information company.
ThaiLawOnline translation
Section 274
If the losing party does not comply with the decree, the winning party may enforce the judgment by seizing property, attaching claims, or other means, but only within ten years of the judgment. For instalment or future debts, the ten years is counted from when each part becomes due. A transferee or successor of the claim can step in as the judgment creditor.
Full text
If a party or person who is the losing party, or a person against whom the court has rendered a judgment or order to pay a debt (the judgment debtor), has failed to comply with the decree issued under the judgment or order of the court, in whole or in part, the party or person who is the winning party, or the person to whom the court has rendered a judgment or order to receive payment of a debt (the judgment creditor), is entitled to apply for execution by means of seizure of property, attachment of a claim, or execution by other means under the provisions of this Book, within ten years from the date of the judgment or order. And if the judgment creditor has, within that period, requested the executing officer to seize any property or attach any claim, or has carried out execution by other means in part, execution against that property or claim, or by that other means, may be continued to completion. If the judgment or order requires payment of a debt in instalments, monthly, or yearly, or requires the future payment of a debt in any manner, the ten-year period under paragraph one shall be counted from the date on which the debt under the judgment or order becomes enforceable. If the claim under the judgment or order is for the payment of money, or the return or delivery of specific property, a person who has received a transfer of, or succeeded to, the rights under the judgment or order has the power to execute under Chapter 2 on execution in the case of a monetary debt, or Chapter 3 on execution in the case of the return or delivery of specific property, as the case may be, by applying to the court to be substituted as the judgment creditor.
ThaiLawOnline translation
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āļĄāļēāļāļĢāļē 653
āļāđāļāļāļ§āļēāļĄāđāļāđāļĄ
āļāļēāļĢāļāļđāđāļĒāļ·āļĄāđāļāļīāļāļāļ§āđāļēāļŠāļāļāļāļąāļāļāļēāļāļāļķāđāļāđāļāļāļąāđāļ āļāđāļēāļĄāļīāđāļāđāļĄāļĩāļŦāļĨāļąāļāļāļēāļāđāļŦāđāļāļāļēāļĢāļāļđāđāļĒāļ·āļĄāđāļāđāļāļŦāļāļąāļāļŠāļ·āļāļāļĒāđāļēāļāđāļāļāļĒāđāļēāļāļŦāļāļķāđāļāļĨāļāļĨāļēāļĒāļĄāļ·āļāļāļ·āđāļāļāļđāđāļĒāļ·āļĄāđāļāđāļāļŠāļģāļāļąāļ āļāļ°āļāđāļāļāļĢāđāļāļāđāļŦāđāļāļąāļāļāļąāļāļāļāļĩāļŦāļēāđāļāđāđāļĄāđ āđāļāļāļēāļĢāļāļđāđāļĒāļ·āļĄāđāļāļīāļāļĄāļĩāļŦāļĨāļąāļāļāļēāļāđāļāđāļāļŦāļāļąāļāļŠāļ·āļāļāļąāđāļ āļāđāļēāļāļ§āđāļēāļāļ°āļāļģāļŠāļ·āļāļāļēāļĢāđāļāđāđāļāļīāļāđāļāđāļāđāļāđāļĄāļ·āđāļāļĄāļĩāļŦāļĨāļąāļāļāļēāļāđāļāđāļāļŦāļāļąāļāļŠāļ·āļāļāļĒāđāļēāļāđāļāļāļĒāđāļēāļāļŦāļāļķāđāļāļĨāļāļĨāļēāļĒāļĄāļ·āļāļāļ·āđāļāļāļđāđāđāļŦāđāļĒāļ·āļĄāļĄāļēāđāļŠāļāļ āļŦāļĢāļ·āļāđāļāļāļŠāļēāļĢāļāļąāļāđāļāđāļāļŦāļĨāļąāļāļāļēāļāđāļŦāđāļāļāļēāļĢāļāļđāđāļĒāļ·āļĄāļāļąāđāļāđāļāđāđāļ§āļāļāļ·āļāđāļĨāđāļ§ āļŦāļĢāļ·āļāđāļāđāđāļāļāđāļāļīāļāļāļāļāļĨāļāđāļāđāļāļāļŠāļēāļĢāļāļąāđāļāđāļĨāđāļ§
āļāļĢāļāļāļēāļĄāļāđāļāļāļ§āļēāļĄāđāļāļĢāļēāļāļāļīāļāļāļēāļāļļāđāļāļāļĐāļē / āļŠāļģāļāļąāļāļāļēāļāļāļāļ°āļāļĢāļĢāļĄāļāļēāļĢāļāļĪāļĐāļāļĩāļāļē (Verbatim from the Royal Gazette / Office of the Council of State)
āļĄāļēāļāļĢāļēāļāļĢāđāļāļĄāļŦāļĄāļēāļĒāđāļŦāļāļļāļāļāļāđāļĢāļēāļāđāļāļāļ§āļēāļĄāļāļēāļāļāļēāļĢ
āļĄāļēāļāļĢāļē 3 āļāļĢāļ°āļĢāļēāļāļāļąāļāļāļąāļāļīāļāļēāļĢāļāļ§āļāļāļēāļĄāļŦāļāļĩāđ āļ.āļĻ. 2558
āļāđāļāļāļ§āļēāļĄāđāļāđāļĄ
āđāļāļāļĢāļ°āļĢāļēāļāļāļąāļāļāļąāļāļīāļāļĩāđ âāļāļđāđāļāļ§āļāļāļēāļĄāļŦāļāļĩāđâ āļŦāļĄāļēāļĒāļāļ§āļēāļĄāļ§āđāļē āđāļāđāļēāļŦāļāļĩāđāļāļķāđāļāđāļāđāļāļāļđāđāđāļŦāđāļŠāļīāļāđāļāļ·āđāļ āļāļđāđāļāļĢāļ°āļāļāļāļāļļāļĢāļāļīāļāļāļēāļĄāļāļāļŦāļĄāļēāļĒāļ§āđāļēāļāđāļ§āļĒāļāļēāļĢāļāļļāđāļĄāļāļĢāļāļāļāļđāđāļāļĢāļīāđāļ āļ āļāļđāđāļāļąāļāđāļŦāđāļĄāļĩāļāļēāļĢāđāļĨāđāļāļāļēāļĢāļāļāļąāļāđāļāđāļāļāļāļāļīāļāļļāļĢāļ°āļāļēāļĄāļāļāļŦāļĄāļēāļĒāļ§āđāļēāļāđāļ§āļĒāļāļēāļĢāļāļāļąāļ āđāļĨāļ°āđāļāđāļēāļŦāļāļĩāđāļāļ·āđāļāļāļķāđāļāļĄāļĩāļŠāļīāļāļāļīāļĢāļąāļāļāļģāļĢāļ°āļŦāļāļĩāđāļāļąāļāđāļāļīāļāļāļēāļāļāļēāļĢāļāļĢāļ°āļāļģāļāļĩāđāđāļāđāļāļāļēāļāļāļēāļĢāļāđāļēāļāļāļāļī āļŦāļĢāļ·āļāđāļāđāļāļāļāļāļīāļāļļāļĢāļ°āļāļāļāđāļāđāļēāļŦāļāļĩāđ āļāļąāđāļāļāļĩāđ āđāļĄāđāļ§āđāļēāļŦāļāļĩāđāļāļąāļāļāļĨāđāļēāļ§āļāļ°āļāļāļāļāđāļ§āļĒāļāļāļŦāļĄāļēāļĒāļŦāļĢāļ·āļāđāļĄāđāļāđāļāļēāļĄ āđāļĨāļ°āđāļŦāđāļŦāļĄāļēāļĒāļāļ§āļēāļĄāļĢāļ§āļĄāļāļķāļ āļāļđāđāļĢāļąāļāļĄāļāļāļāļģāļāļēāļāļāļēāļāđāļāđāļēāļŦāļāļĩāđāļāļąāļāļāļĨāđāļēāļ§ āļāļđāđāļĢāļąāļāļĄāļāļāļāļģāļāļēāļāļāđāļ§āļāđāļāļāļēāļĢāļāļ§āļāļāļēāļĄāļŦāļāļĩāđ āļāļđāđāļāļĢāļ°āļāļāļāļāļļāļĢāļāļīāļāļāļ§āļāļāļēāļĄāļŦāļāļĩāđ āđāļĨāļ°āļāļđāđāļĢāļąāļāļĄāļāļāļāļģāļāļēāļāļāļēāļāļāļđāđāļāļĢāļ°āļāļāļāļāļļāļĢāļāļīāļāļāļ§āļāļāļēāļĄāļŦāļāļĩāđāļāđāļ§āļĒ âāļāļđāđāđāļŦāđāļŠāļīāļāđāļāļ·āđāļâ āļŦāļĄāļēāļĒāļāļ§āļēāļĄāļ§āđāļē (āđ) āļāļļāļāļāļĨāļāļķāđāļāđāļŦāđāļŠāļīāļāđāļāļ·āđāļāđāļāđāļāļāļēāļāļāļēāļĢāļāđāļēāļāļāļāļī āļŦāļĢāļ·āļ (āđ) āļāļļāļāļāļĨāļāļķāđāļāļĢāļąāļāļāļ·āđāļāļŦāļĢāļ·āļāļĢāļąāļāđāļāļāļŠāļīāļāđāļāļ·āđāļāļāđāļāđāļāļāļļāļāļāļāļ âāļŠāļīāļāđāļāļ·āđāļâ āļŦāļĄāļēāļĒāļāļ§āļēāļĄāļ§āđāļē āļŠāļīāļāđāļāļ·āđāļāļāļĩāđāđāļŦāđāđāļāđāļāļļāļāļāļĨāļāļĢāļĢāļĄāļāļēāđāļāļĒāļāļēāļĢāđāļŦāđāļāļđāđāļĒāļ·āļĄāđāļāļīāļ āļāļēāļĢāđāļŦāđāļāļĢāļīāļāļēāļĢāļāļąāļāļĢāđāļāļĢāļāļīāļ āļāļēāļĢāđāļŦāđāđāļāđāļēāļāļ·āđāļ āļāļēāļĢāđāļŦāđāđāļāđāļēāđāļāļāļĨāļīāļŠāļāļīāđāļ āđāļĨāļ°āļŠāļīāļāđāļāļ·āđāļāđāļāļĢāļđāļāđāļāļāļāļ·āđāļāļāļĩāđāļĄāļĩāļĨāļąāļāļĐāļāļ°āļāļģāļāļāļāđāļāļĩāļĒāļ§āļāļąāļ âāļĨāļđāļāļŦāļāļĩāđâ āļŦāļĄāļēāļĒāļāļ§āļēāļĄāļ§āđāļē āļĨāļđāļāļŦāļāļĩāđāļāļķāđāļāđāļāđāļāļāļļāļāļāļĨāļāļĢāļĢāļĄāļāļē āđāļĨāļ°āđāļŦāđāļŦāļĄāļēāļĒāļāļ§āļēāļĄāļĢāļ§āļĄāļāļķāļāļāļđāđāļāđāļģāļāļĢāļ°āļāļąāļāļāļķāđāļāđāļāđāļāļāļļāļāļāļĨāļāļĢāļĢāļĄāļāļēāļāđāļ§āļĒ âāļāļļāļĢāļāļīāļāļāļ§āļāļāļēāļĄāļŦāļāļĩāđâ āļŦāļĄāļēāļĒāļāļ§āļēāļĄāļ§āđāļē āļāļēāļĢāļĢāļąāļāļāđāļēāļāļāļ§āļāļāļēāļĄāļŦāļāļĩāđāđāļĄāđāļ§āđāļēāđāļāļĒāļāļĢāļ āļŦāļĢāļ·āļāđāļāļĒāļāđāļāļĄāđāļāđāļāļāļāļāļīāļāļļāļĢāļ° āđāļāđāđāļĄāđāļĢāļ§āļĄāļāļķāļāļāļēāļĢāļāļ§āļāļāļēāļĄāļŦāļāļĩāđāļāļāļāļāļāļēāļĒāļāļ§āļēāļĄāļāļķāđāļāļāļĢāļ°āļāļģāđāļāļāļĨāļđāļāļāļ§āļēāļĄāļāļāļāļāļ âāļāđāļāļĄāļđāļĨāđāļāļĩāđāļĒāļ§āļāļąāļāļŠāļāļēāļāļāļĩāđāļāļīāļāļāđāļāļĨāļđāļāļŦāļāļĩāđâ āļŦāļĄāļēāļĒāļāļ§āļēāļĄāļ§āđāļē āļāļĩāđāļāļĒāļđāđāļāļēāļĻāļąāļĒāļŦāļĢāļ·āļāļŠāļāļēāļāļāļĩāđāļāļģāļāļēāļāļāļāļāļĨāļđāļāļŦāļāļĩāđ āđāļĨāļ°āđāļŦāđāļŦāļĄāļēāļĒāļāļ§āļēāļĄāļĢāļ§āļĄāļāļķāļāļŦāļĄāļēāļĒāđāļĨāļāđāļāļĢāļĻāļąāļāļāđāđāļĨāļ°āđāļāļĢāļŠāļēāļĢ āđāļĨāļ°āļŠāļāļēāļāļāļĩāđāļāļīāļāļāđāļāđāļāļĒāļāļāļŦāļĄāļēāļĒāļāļīāđāļĨāđāļāļāļĢāļāļāļīāļāļŠāđ āđāļāļĒāļŠāļ·āđāļāļāļīāđāļĨāđāļāļāļĢāļāļāļīāļāļŠāđ āļŦāļĢāļ·āļāđāļāļĒāļŠāļ·āđāļāđāļāļāđāļāđāļĨāļĒāļĩāļŠāļēāļĢāļŠāļāđāļāļĻāļāļĢāļ°āđāļ āļāļāļ·āđāļ āļāļĩāđāļŠāļēāļĄāļēāļĢāļāļāļīāļāļāđāļāļāļąāļāļĨāļđāļāļŦāļāļĩāđāđāļāđāļāđāļ§āļĒ âāļāļāļ°āļāļĢāļĢāļĄāļāļēāļĢâ āļŦāļĄāļēāļĒāļāļ§āļēāļĄāļ§āđāļē āļāļāļ°āļāļĢāļĢāļĄāļāļēāļĢāļāļģāļāļąāļāļāļēāļĢāļāļ§āļāļāļēāļĄāļŦāļāļĩāđ âāļāļēāļĒāļāļ°āđāļāļĩāļĒāļâ āļŦāļĄāļēāļĒāļāļ§āļēāļĄāļ§āđāļē āļāļđāđāļāļķāđāļāļĢāļąāļāļĄāļāļāļĢāļĩāļ§āđāļēāļāļēāļĢāļāļĢāļ°āļāļĢāļ§āļāļĄāļŦāļēāļāđāļāļĒāđāļāđāļāļāļąāđāļāđāļŦāđāđāļāđāļāļāļđāđāļĄāļĩāļŦāļāđāļēāļāļĩāđāļĢāļąāļāļāļāļāļ°āđāļāļĩāļĒāļāļāļēāļĄāļāļĢāļ°āļĢāļēāļāļāļąāļāļāļąāļāļīāļāļĩāđ âāļāļāļąāļāļāļēāļāđāļāđāļēāļŦāļāđāļēāļāļĩāđâ āļŦāļĄāļēāļĒāļāļ§āļēāļĄāļ§āđāļē āļāļđāđāļāļķāđāļāļĢāļąāļāļĄāļāļāļĢāļĩāļ§āđāļēāļāļēāļĢāļāļĢāļ°āļāļĢāļ§āļāļĄāļŦāļēāļāđāļāļĒāđāļāđāļāļāļąāđāļāļāļēāļĄāļāļēāļĢāđāļŠāļāļāđāļāļ°āļāļāļāļāļāļ°āļāļĢāļĢāļĄāļāļēāļĢāļāļģāļāļąāļāļāļēāļĢāļāļ§āļāļāļēāļĄāļŦāļāļĩāđāđāļŦāđāļāļāļīāļāļąāļāļīāļāļēāļĢāļāļēāļĄāļāļĢāļ°āļĢāļēāļāļāļąāļāļāļąāļāļīāļāļĩāđ âāļĢāļąāļāļĄāļāļāļĢāļĩâ āļŦāļĄāļēāļĒāļāļ§āļēāļĄāļ§āđāļē āļĢāļąāļāļĄāļāļāļĢāļĩāļāļđāđāļĢāļąāļāļĐāļēāļāļēāļĢāļāļēāļĄāļāļĢāļ°āļĢāļēāļāļāļąāļāļāļąāļāļīāļāļĩāđ
āļāļĢāļāļāļēāļĄāļāđāļāļāļ§āļēāļĄāđāļāļĢāļēāļāļāļīāļāļāļēāļāļļāđāļāļāļĐāļē / āļŠāļģāļāļąāļāļāļēāļāļāļāļ°āļāļĢāļĢāļĄāļāļēāļĢāļāļĪāļĐāļāļĩāļāļē (Verbatim from the Royal Gazette / Office of the Council of State)
āļĄāļēāļāļĢāļē 11 āļāļĢāļ°āļĢāļēāļāļāļąāļāļāļąāļāļīāļāļēāļĢāļāļ§āļāļāļēāļĄāļŦāļāļĩāđ āļ.āļĻ. 2558
āļāđāļāļāļ§āļēāļĄāđāļāđāļĄ
āļŦāđāļēāļĄāļāļđāđāļāļ§āļāļāļēāļĄāļŦāļāļĩāđāļāļĢāļ°āļāļģāļāļēāļĢāļāļ§āļāļāļēāļĄāļŦāļāļĩāđāđāļāļĨāļąāļāļĐāļāļ°āļāļąāļāļāđāļāđāļāļāļĩāđ (āđ) āļāļēāļĢāļāđāļĄāļāļđāđ āļāļēāļĢāđāļāđāļāļ§āļēāļĄāļĢāļļāļāđāļĢāļ āļŦāļĢāļ·āļāļāļēāļĢāļāļĢāļ°āļāļģāļāļ·āđāļāđāļāļāļĩāđāļāļģāđāļŦāđāđāļāļīāļāļāļ§āļēāļĄāđāļŠāļĩāļĒāļŦāļēāļĒāđāļāđāļĢāđāļēāļāļāļēāļĒ āļāļ·āđāļāđāļŠāļĩāļĒāļ āļŦāļĢāļ·āļāļāļĢāļąāļāļĒāđāļŠāļīāļāļāļāļāļĨāļđāļāļŦāļāļĩāđāļŦāļĢāļ·āļāļāļđāđāļāļ·āđāļ (āđ) āļāļēāļĢāđāļāđāļ§āļēāļāļēāļŦāļĢāļ·āļāļ āļēāļĐāļēāļāļĩāđāđāļāđāļāļāļēāļĢāļāļđāļŦāļĄāļīāđāļāļĨāļđāļāļŦāļāļĩāđāļŦāļĢāļ·āļāļāļđāđāļāļ·āđāļ (āđ) āļāļēāļĢāđāļāđāļāļŦāļĢāļ·āļāđāļāļīāļāđāļāļĒāđāļāļĩāđāļĒāļ§āļāļąāļāļāļ§āļēāļĄāđāļāđāļāļŦāļāļĩāđāļāļāļāļĨāļđāļāļŦāļāļĩāđāđāļŦāđāđāļāđāļāļđāđāļāļ·āđāļāļāļĩāđāđāļĄāđāđāļāļĩāđāļĒāļ§āļāđāļāļāļāļąāļāļāļēāļĢāļāļ§āļāļāļēāļĄāļŦāļāļĩāđ āđāļ§āđāļāđāļāđāđāļāđāļāļāļĢāļāļĩāļāļēāļĄāļĄāļēāļāļĢāļē āđ āļ§āļĢāļĢāļāļŠāļāļ (āđ) (āđ) āļāļēāļĢāļāļīāļāļāđāļāļĨāļđāļāļŦāļāļĩāđāđāļāļĒāđāļāļĢāļĐāļāļĩāļĒāļāļąāļāļĢ āđāļāļāļŠāļēāļĢāđāļāļīāļāļāļāļķāļ āđāļāļĢāļŠāļēāļĢ āļŦāļĢāļ·āļāļŠāļīāđāļāļāļ·āđāļāđāļāļāļĩāđāļŠāļ·āđāļāđāļŦāđāļāļĢāļēāļāļ§āđāļēāđāļāđāļāļāļēāļĢāļāļ§āļāļāļēāļĄāļŦāļāļĩāđāļāļĒāđāļēāļāļāļąāļāđāļāļ āđāļ§āđāļāđāļāđāļāļĢāļāļĩāļāļēāļĢāļāļāļāļāļĨāđāļēāļ§āļāļąāļāļāļąāļāļāļģāļāļāļāļāđāļ§āļĒāļ§āļīāļāļĩāļāļēāļĢāļāļĢāļ°āļāļēāļĻāļŦāļāļąāļāļŠāļ·āļāļāļīāļĄāļāđ āļāļķāđāļāđāļāđāļēāļŦāļāļĩāđāđāļĄāđāļŠāļēāļĄāļēāļĢāļāļāļīāļāļāđāļāļĨāļđāļāļŦāļāļĩāđāđāļāļĒāļ§āļīāļāļĩāļāļēāļĢāļāļ·āđāļ āļŦāļĢāļ·āļāļāļĢāļāļĩāļāļ·āđāļāđāļāļāļēāļĄāļāļĩāđāļāļāļ°āļāļĢāļĢāļĄāļāļēāļĢāļāļĢāļ°āļāļēāļĻāļāļģāļŦāļāļ (āđ) āļāļēāļĢāđāļāđāļāđāļāļāļ§āļēāļĄ āđāļāļĢāļ·āđāļāļāļŦāļĄāļēāļĒ āļŠāļąāļāļĨāļąāļāļĐāļāđ āļŦāļĢāļ·āļāļāļ·āđāļāļāļēāļāļāļļāļĢāļāļīāļāļāļāļāļāļđāđāļāļ§āļāļāļēāļĄāļŦāļāļĩāđāļāļāļāļāļāļāļāļŦāļĄāļēāļĒāđāļāļāļēāļĢāļāļīāļāļāđāļāļĨāļđāļāļŦāļāļĩāđāļāļĩāđāļāļģāđāļŦāđāđāļāđāļēāđāļāđāļāđāļ§āđāļēāđāļāđāļāļāļēāļĢāļāļīāļāļāđāļāđāļāļ·āđāļāļāļēāļĢāļāļ§āļāļāļēāļĄāļŦāļāļĩāđ āđāļ§āđāļāđāļāđāļāļ·āđāļāļāļēāļāļāļļāļĢāļāļīāļāļāļāļāļāļđāđāļāļ§āļāļāļēāļĄāļŦāļāļĩāđāđāļĄāđāđāļāđāļŠāļ·āđāļāđāļŦāđāļāļĢāļēāļāđāļāđāļ§āđāļēāđāļāđāļāļāļđāđāļāļĢāļ°āļāļāļāļāļļāļĢāļāļīāļāļāļ§āļāļāļēāļĄāļŦāļāļĩāđ (āđ) āļāļēāļĢāļāļ§āļāļāļēāļĄāļŦāļāļĩāđāļāļĩāđāđāļĄāđāđāļŦāļĄāļēāļ°āļŠāļĄāđāļāļĨāļąāļāļĐāļāļ°āļāļ·āđāļāļāļēāļĄāļāļĩāđāļāļāļ°āļāļĢāļĢāļĄāļāļēāļĢāļāļĢāļ°āļāļēāļĻāļāļģāļŦāļāļ āļāļ§āļēāļĄāđāļ (āđ) āļĄāļīāđāļŦāđāļāļģāļĄāļēāđāļāđāļāļąāļāļāļąāļāļāļąāļāļāļēāļĢāļāļ§āļāļāļēāļĄāļŦāļāļĩāđāđāļāđāļāļŦāļāļąāļāļŠāļ·āļāđāļāļ·āđāļāļāļ°āđāļāđāļŠāļīāļāļāļīāļāđāļāļāļāļāļĩāļāđāļāļĻāļēāļĨ
āļāļĢāļāļāļēāļĄāļāđāļāļāļ§āļēāļĄāđāļāļĢāļēāļāļāļīāļāļāļēāļāļļāđāļāļāļĐāļē / āļŠāļģāļāļąāļāļāļēāļāļāļāļ°āļāļĢāļĢāļĄāļāļēāļĢāļāļĪāļĐāļāļĩāļāļē (Verbatim from the Royal Gazette / Office of the Council of State)
āļĄāļēāļāļĢāļē 12 āļāļĢāļ°āļĢāļēāļāļāļąāļāļāļąāļāļīāļāļēāļĢāļāļ§āļāļāļēāļĄāļŦāļāļĩāđ āļ.āļĻ. 2558
āļāđāļāļāļ§āļēāļĄāđāļāđāļĄ
āļŦāđāļēāļĄāļāļđāđāļāļ§āļāļāļēāļĄāļŦāļāļĩāđāļāļĢāļ°āļāļģāļāļēāļĢāļāļ§āļāļāļēāļĄāļŦāļāļĩāđāđāļāļĨāļąāļāļĐāļāļ°āļāļĩāđāđāļāđāļāđāļāđāļ āļŦāļĢāļ·āļāļāļģāđāļŦāđāđāļāļīāļāļāļ§āļēāļĄāđāļāđāļēāđāļāļāļīāļāļāļąāļāļāđāļāđāļāļāļĩāđ (āđ) āļāļēāļĢāđāļŠāļāļāļŦāļĢāļ·āļāļāļēāļĢāđāļāđāļāđāļāļāļ§āļēāļĄ āđāļāļĢāļ·āđāļāļāļŦāļĄāļēāļĒ āļŠāļąāļāļĨāļąāļāļĐāļāđ āļŦāļĢāļ·āļāđāļāļĢāļ·āđāļāļāđāļāļāļāļĩāđāļāļģāđāļŦāđāđāļāđāļēāđāļāļ§āđāļēāđāļāđāļāļāļēāļĢāļāļĢāļ°āļāļģāļāļāļāļĻāļēāļĨ āđāļāđāļēāļŦāļāđāļēāļāļĩāđāļāļāļāļĢāļąāļ āļŦāļĢāļ·āļāļŦāļāđāļ§āļĒāļāļēāļāļāļāļāļĢāļąāļ (āđ) āļāļēāļĢāđāļŠāļāļāļŦāļĢāļ·āļāļĄāļĩāļāđāļāļāļ§āļēāļĄāļāļĩāđāļāļģāđāļŦāđāđāļāļ·āđāļāļ§āđāļēāļāļēāļĢāļāļ§āļāļāļēāļĄāļŦāļāļĩāđāđāļāđāļāļāļēāļĢāļāļĢāļ°āļāļģāđāļāļĒāļāļāļēāļĒāļāļ§āļēāļĄāļŠāļģāļāļąāļāļāļēāļāļāļāļēāļĒāļāļ§āļēāļĄ āļŦāļĢāļ·āļāļŠāļģāļāļąāļāļāļēāļāļāļāļŦāļĄāļēāļĒ (āđ) āļāļēāļĢāđāļŠāļāļāļŦāļĢāļ·āļāļĄāļĩāļāđāļāļāļ§āļēāļĄāļāļĩāđāļāļģāđāļŦāđāđāļāļ·āđāļāļ§āđāļēāļāļ°āļāļđāļāļāļģāđāļāļīāļāļāļāļĩ āļŦāļĢāļ·āļāļāļ°āļāļđāļāļĒāļķāļāļŦāļĢāļ·āļāļāļēāļĒāļąāļāļāļĢāļąāļāļĒāđāļŦāļĢāļ·āļāđāļāļīāļāđāļāļ·āļāļ (āđ) āļāļēāļĢāļāļīāļāļāđāļāļŦāļĢāļ·āļāļāļēāļĢāđāļŠāļāļāļāļāđāļŦāđāđāļāļ·āđāļāļ§āđāļēāļāļđāđāļāļ§āļāļāļēāļĄāļŦāļāļĩāđāļāļģāđāļāļīāļāļāļēāļĢāđāļŦāđāđāļāđāļāļĢāļīāļĐāļąāļāļāđāļāļĄāļđāļĨāđāļāļĢāļāļīāļ āļŦāļĢāļ·āļāļĢāļąāļāļāđāļēāļāļāļĢāļīāļĐāļąāļāļāđāļāļĄāļđāļĨāđāļāļĢāļāļīāļ
āļāļĢāļāļāļēāļĄāļāđāļāļāļ§āļēāļĄāđāļāļĢāļēāļāļāļīāļāļāļēāļāļļāđāļāļāļĐāļē / āļŠāļģāļāļąāļāļāļēāļāļāļāļ°āļāļĢāļĢāļĄāļāļēāļĢāļāļĪāļĐāļāļĩāļāļē (Verbatim from the Royal Gazette / Office of the Council of State)
āļĄāļēāļāļĢāļē 274
āļāđāļāļāļ§āļēāļĄāđāļāđāļĄ
āļāđāļēāļāļđāđāļāļ§āļēāļĄāļŦāļĢāļ·āļāļāļļāļāļāļĨāļāļķāđāļāđāļāđāļāļāđāļēāļĒāđāļāđāļāļāļĩāļŦāļĢāļ·āļāļāļļāļāļāļĨāļāļĩāđāļĻāļēāļĨāļĄāļĩāļāļģāļāļīāļāļēāļāļĐāļēāļŦāļĢāļ·āļāļāļģāļŠāļąāđāļāđāļŦāđāļāļģāļĢāļ°āļŦāļāļĩāđ (āļĨāļđāļāļŦāļāļĩāđāļāļēāļĄāļāļģāļāļīāļāļēāļāļĐāļē) āļĄāļīāđāļāđāļāļāļīāļāļąāļāļīāļāļēāļĄāļāļģāļāļąāļāļāļąāļāļāļĩāđāļāļāļāļāļēāļĄāļāļģāļāļīāļāļēāļāļĐāļēāļŦāļĢāļ·āļāļāļģāļŠāļąāđāļāļāļāļāļĻāļēāļĨāļāļąāđāļāļŦāļĄāļāļŦāļĢāļ·āļāļāļēāļāļŠāđāļ§āļ āļāļđāđāļāļ§āļēāļĄāļŦāļĢāļ·āļāļāļļāļāļāļĨāļāļķāđāļāđāļāđāļāļāđāļēāļĒāļāļāļ°āļāļāļĩāļŦāļĢāļ·āļāļāļļāļāļāļĨāļāļĩāđāļĻāļēāļĨāļĄāļĩāļāļģāļāļīāļāļēāļāļĐāļēāļŦāļĢāļ·āļāļāļģāļŠāļąāđāļāđāļŦāđāđāļāđāļĢāļąāļāļāļģāļĢāļ°āļŦāļāļĩāđ (āđāļāđāļēāļŦāļāļĩāđāļāļēāļĄāļāļģāļāļīāļāļēāļāļĐāļē) āļāļāļāļāļĩāđāļāļ°āļĢāđāļāļāļāļāđāļŦāđāļĄāļĩāļāļēāļĢāļāļąāļāļāļąāļāļāļāļĩāđāļāļĒāļ§āļīāļāļĩāļĒāļķāļāļāļĢāļąāļāļĒāđāļŠāļīāļ āļāļēāļĒāļąāļāļŠāļīāļāļāļīāđāļĢāļĩāļĒāļāļĢāđāļāļ āļŦāļĢāļ·āļāļāļąāļāļāļąāļāļāļāļĩāđāļāļĒāļ§āļīāļāļĩāļāļ·āđāļāļāļēāļĄāļāļāļāļąāļāļāļąāļāļīāđāļŦāđāļāļ āļēāļāļāļĩāđāļ āļēāļĒāđāļāļŠāļīāļāļāļĩāļāļąāļāđāļāđāļ§āļąāļāļāļĩāđāļĄāļĩāļāļģāļāļīāļāļēāļāļĐāļēāļŦāļĢāļ·āļāļāļģāļŠāļąāđāļ āđāļĨāļ°āļāđāļēāđāļāđāļēāļŦāļāļĩāđāļāļēāļĄāļāļģāļāļīāļāļēāļāļĐāļēāđāļāđāļĢāđāļāļāļāļāđāļŦāđāđāļāđāļēāļāļāļąāļāļāļēāļāļāļąāļāļāļąāļāļāļāļĩāļĒāļķāļāļāļĢāļąāļāļĒāđāļŠāļīāļāļŦāļĢāļ·āļāļāļēāļĒāļąāļāļŠāļīāļāļāļīāđāļĢāļĩāļĒāļāļĢāđāļāļāđāļāđāļ§āđ āļŦāļĢāļ·āļāđāļāđāļāļģāđāļāļīāļāļāļēāļĢāļāļąāļāļāļąāļāļāļāļĩāđāļāļĒāļ§āļīāļāļĩāļāļ·āđāļāđāļ§āđāļāļēāļāļŠāđāļ§āļāđāļĨāđāļ§āļ āļēāļĒāđāļāļĢāļ°āļĒāļ°āđāļ§āļĨāļēāļāļąāļāļāļĨāđāļēāļ§ āļāđāđāļŦāđāļāļģāđāļāļīāļāļāļēāļĢāļāļąāļāļāļąāļāļāļāļĩāđāļāđāļāļĢāļąāļāļĒāđāļŠāļīāļāļŦāļĢāļ·āļāļŠāļīāļāļāļīāđāļĢāļĩāļĒāļāļĢāđāļāļ āļŦāļĢāļ·āļāļāļąāļāļāļąāļāļāļāļĩāđāļāļĒāļ§āļīāļāļĩāļāļ·āđāļāļāļąāđāļāļāđāļāđāļāļāļāđāļĨāđāļ§āđāļŠāļĢāđāļāđāļāđ āļāđāļēāļāļģāļāļīāļāļēāļāļĐāļēāļŦāļĢāļ·āļāļāļģāļŠāļąāđāļāļāļģāļŦāļāļāđāļŦāđāļāļģāļĢāļ°āļŦāļāļĩāđāđāļāđāļāļāļ§āļ āđāļāđāļāļĢāļēāļĒāđāļāļ·āļāļ āļŦāļĢāļ·āļāđāļāđāļāļĢāļēāļĒāļāļĩ āļŦāļĢāļ·āļāļāļģāļŦāļāļāđāļŦāđāļāļģāļĢāļ°āļŦāļāļĩāđāļāļĒāđāļēāļāđāļāđāļāļāļāļēāļāļ āđāļŦāđāļāļąāļāļĢāļ°āļĒāļ°āđāļ§āļĨāļēāļŠāļīāļāļāļĩāļāļēāļĄāļ§āļĢāļĢāļāļŦāļāļķāđāļāļāļąāđāļāđāļāđāļ§āļąāļāļāļĩāđāļŦāļāļĩāđāļāļēāļĄāļāļģāļāļīāļāļēāļāļĐāļēāļŦāļĢāļ·āļāļāļģāļŠāļąāđāļāļāļąāđāļāļāļēāļāļāļąāļāļāļąāļāđāļŦāđāļāļģāļĢāļ°āđāļāđ āļāđāļēāļŠāļīāļāļāļīāđāļĢāļĩāļĒāļāļĢāđāļāļāļāļēāļĄāļāļģāļāļīāļāļēāļāļĐāļēāļŦāļĢāļ·āļāļāļģāļŠāļąāđāļāđāļāđāļāļāļēāļĢāđāļŦāđāļāļģāļĢāļ°āđāļāļīāļ āļŠāđāļāļāļ·āļāļŦāļĢāļ·āļāļŠāđāļāļĄāļāļāļāļĢāļąāļāļĒāđāđāļāļāļēāļ°āļŠāļīāđāļ āļāļļāļāļāļĨāļāļķāđāļāđāļāđāļĢāļąāļāđāļāļāļŦāļĢāļ·āļāļĢāļąāļāļāđāļ§āļāļŠāļīāļāļāļīāļāļēāļĄāļāļģāļāļīāļāļēāļāļĐāļēāļŦāļĢāļ·āļāļāļģāļŠāļąāđāļāļāļąāđāļāļĄāļĩāļāļģāļāļēāļāļāļąāļāļāļąāļāļāļāļĩāļāļēāļĄāļāļ§āļēāļĄāđāļāļŦāļĄāļ§āļ āđ āļāļēāļĢāļāļąāļāļāļąāļāļāļāļĩāđāļāļāļĢāļāļĩāļāļĩāđāđāļāđāļāļŦāļāļĩāđāđāļāļīāļ āļŦāļĢāļ·āļāļŦāļĄāļ§āļ āđ āļāļēāļĢāļāļąāļāļāļąāļāļāļāļĩāđāļāļāļĢāļāļĩāļāļĩāđāđāļŦāđāļŠāđāļāļāļ·āļāļŦāļĢāļ·āļāļŠāđāļāļĄāļāļāļāļĢāļąāļāļĒāđāđāļāļāļēāļ°āļŠāļīāđāļ āđāļĨāđāļ§āđāļāđāļāļĢāļāļĩ āđāļāļĒāļāļēāļĢāļĢāđāļāļāļāļāļāđāļāļĻāļēāļĨāđāļāļ·āđāļāđāļāđāļēāļŠāļ§āļĄāļŠāļīāļāļāļīāđāļāđāļāđāļāđāļēāļŦāļāļĩāđāļāļēāļĄāļāļģāļāļīāļāļēāļāļĐāļēāļāđāļāđāļ
āļāļĢāļāļāļēāļĄāļāđāļāļāļ§āļēāļĄāđāļāļĢāļēāļāļāļīāļāļāļēāļāļļāđāļāļāļĐāļē / āļŠāļģāļāļąāļāļāļēāļāļāļāļ°āļāļĢāļĢāļĄāļāļēāļĢāļāļĪāļĐāļāļĩāļāļē (Verbatim from the Royal Gazette / Office of the Council of State)
āļĄāļēāļāļĢāļēāļāļĢāđāļāļĄāļŦāļĄāļēāļĒāđāļŦāļāļļāļāļāļāđāļĢāļēāļāđāļāļāļ§āļēāļĄāļāļēāļāļāļēāļĢ
Français
Article 204
Le dÃĐbiteur est en demeure s'il ne paie pas aprÃĻs l'ÃĐchÃĐance et une sommation du crÃĐancier. Sans sommation, il l'est si le terme est une date du calendrier, ou calculable au calendrier à partir d'un prÃĐavis prÃĐalable au paiement.
rÃĐsumÃĐ non officiel
Article 224ModifiÃĐ le 11 avril 2021
Une dette d'argent porte, pendant la demeure, l'intÃĐrÊt de l'article 7 majorÃĐ de 2 % par an, ou un taux supÃĐrieur lÃĐgalement exigible à un autre titre. L'anatocisme pendant la demeure est interdit; la preuve d'un autre dommage est admise.
rÃĐsumÃĐ non officiel
Article 193/30
Sauf disposition particuliÃĻre de ce Code ou d'une autre loi, la prescription est de 10 ans.
rÃĐsumÃĐ non officiel
Article 653
Le prÊt d'argent d'un montant supÃĐrieur à deux mille bahts ne peut donner lieu à une action en exÃĐcution que s'il existe une preuve ÃĐcrite du prÊt, sous quelque forme que ce soit, signÃĐe par l'emprunteur. Lorsque le prÊt d'argent est constatÃĐ par ÃĐcrit, le remboursement ne peut Être prouvÃĐ que par la production d'un ÃĐcrit, sous quelque forme que ce soit, signÃĐ par le prÊteur, ou par la restitution du document constatant le prÊt, ou par une mention d'annulation portÃĐe sur ce document.
rÃĐsumÃĐ non officiel
Article 3 Debt Collection Act B.E. 2558
DÃĐfinit notamment le recouvreur, soit les crÃĐanciers professionnels, que la dette soit licite ou non, leurs mandataires et les entreprises de recouvrement ; dÃĐbiteur et caution sont des personnes physiques ; l'avocat agissant pour son client n'exerce pas une activitÃĐ de recouvrement.
rÃĐsumÃĐ non officiel
Article 11 Debt Collection Act B.E. 2558
Le recouvreur ne peut notamment menacer, user de violence, insulter, rÃĐvÃĐler la dette à des tiers non concernÃĐs, ni utiliser carte postale, document ouvert, tÃĐlÃĐcopie ou enveloppe rÃĐvÃĐlant le recouvrement, sauf exceptions ; le point (5) ne vise pas le recouvrement ÃĐcrit en vue d'agir en justice.
rÃĐsumÃĐ non officiel
Article 12 Debt Collection Act B.E. 2558
Le recouvreur ne peut agir de façon fausse ou trompeuse en se faisant passer pour un tribunal, un agent ou organisme public, un avocat ou un cabinet juridique, en faisant croire à des poursuites, saisies ou à une mission pour une sociÃĐtÃĐ d'information sur le crÃĐdit.
rÃĐsumÃĐ non officiel
Article 274
Le crÃĐancier peut demander l'exÃĐcution dans les 10 ans de la dÃĐcision; l'exÃĐcution engagÃĐe à temps se poursuit. Pour les dettes ÃĐchelonnÃĐes ou futures, le dÃĐlai court de leur exigibilitÃĐ. Pour l'argent ou un bien dÃĐterminÃĐ, le cessionnaire ou subrogÃĐ peut se substituer au crÃĐancier sur requÊte au tribunal.
rÃĐsumÃĐ non officiel
Supreme Court decisions
- 2588/2564 (2021): Default Interest Steps Down to 5% from 11 April 2564
Sources
- Civil and Commercial Code, Office of the Council of State, retrieved 31 October 2026
- Debt Collection Act B.E. 2558, retrieved 2 November 2026
- Civil Procedure Code, Office of the Council of State, retrieved 31 October 2026
- deka.supremecourt.or.th, Supreme Court of Thailand decisions database (copy held in our library), retrieved 19 February 2026
The Debt Collection Process in Thailand
Hereâs a basic outline of how debt recovery usually works in Thailand:
1. Legal Demand Letter
The first step is usually a written demand letter, prepared by a lawyer. It sets out the amount owed, the legal basis and a deadline to pay. It also does two legal jobs. Where no payment date was agreed, the debtor is only in default once a demand has been made, and default is what starts default interest running (Civil and Commercial Code section 204). And two written demands at least 30 days apart that go unpaid raise the presumption of insolvency a bankruptcy petition relies on, whether the debtor is an individual or a company (Bankruptcy Act section 8(9)); the petition also needs a debt of at least 1 million baht from an individual or 2 million baht from a company (section 9). A demand letter is not a legal precondition to filing an ordinary money claim, whatever you may read elsewhere.
2. Negotiation
Sometimes, the debtor replies and tries to settle. A lawyer can help negotiate a repayment plan or partial settlement that works for both parties and helps to collect the debt.
3. Filing a Lawsuit
If the debtor ignores the letter or refuses to cooperate, your lawyer may file a civil lawsuit in the Thai courts. Where the claim is for 300,000 baht or less, it goes to a Kwaeng (district) court, which is the quicker route; above that it goes to the Civil Court in Bangkok or to the Provincial Court where the defendant lives or where the claim arose (Civil Procedure Code section 4; Courts of Justice Organisation Act B.E. 2543, sections 17 and 25(4); the 300,000 baht figure can be raised by Royal Decree). The court fee is 2 percent of the amount claimed, capped at 200,000 baht on the first 50 million baht, plus 0.1 percent on any part above that, and capped at 1,000 baht on a small claim of up to 300,000 baht.
4. Court Judgment and Enforcement
Winning is not collecting. Turning a judgment into money is a separate procedure that you start, pay for and steer. The court that tried the case fixes the method and issues the writ (Civil Procedure Code Sections 275 and 276), and an executing officer at the Legal Execution Department then seizes property and attaches money a third party owes the debtor, such as a bank balance or unpaid wages (Section 296), then sells what is seized at auction (Section 331).
Three things catch creditors out. You have ten years from the date of the judgment to enforce it (Section 274), running instead from the date each payment becomes enforceable where the judgment is payable by instalments. Finding the assets is your job, not the officerâs, though Section 277 lets you ask the court to summon the debtor, or a third party likely to know, to be examined and to produce documents. And you pay for enforcement (Section 153): the officer can require a deposit up front and will stop work until it is paid (Section 154).
Some property cannot be taken at all. A government employeeâs salary is exempt in full; a private-sector employeeâs pay is exempt up to 20,000 baht a month, severance up to 300,000 baht, and the tools of a trade to around 100,000 baht (Sections 301 and 302). Treat those as starting points rather than fixed limits, because the executing officer may set a different amount. This is why a judgment against someone on a modest salary with no registered property is often worth less than it looks, and why we check what a debtor owns before you spend money suing.
5. Criminal Action (in some cases)
If the debt involves a bounced cheque or fraud, a criminal case might also be possible. A criminal complaint changes the debtorâs calculation, which is often what moves a stalled matter.
Debt Collection Legal Support by Region and examples of what we do
| Location | Local Court | Common Issues | ThaiLawOnline Services |
|---|---|---|---|
| Bangkok | Civil Court, or the South Bangkok, Taling Chan, Thon Buri, Phra Khanong or Min Buri Civil Court by area; a Kwaeng court up to 300,000 baht | Bounced cheques, business debts | Demand letters, litigation, asset search |
| Pattaya (Chonburi) | Provincial | Loans between expats and locals | Local filing, negotiation, court support |
| Chiang Mai | Provincial | Rental disputes, service debts | Bilingual lawyers, landlord support |
| Phuket | Provincial | Tourist-related business debt | Urgent recovery, court representation |
| Khon Kaen | Provincial | Unpaid contracts, local partnerships | Issan-local experience, court cases |
| Udon Thani | Provincial | Cheque fraud, land lease payments | Litigation and mediation |
| Ubon Ratchathani | Provincial | Informal loans, personal debt recovery | Civil suits, settlement support |
| Hua Hin (Prachuap) | Provincial | Property-related unpaid commissions | Local presence, bilingual service |
| Rayong | Provincial | Industrial or factory unpaid invoices | Corporate recovery process |
| Samui / Surat Thani | Provincial | Rental disputes, unpaid salaries | Negotiation and court filing |
Even though Thai law is the same throughout the country, local courts, judges, and practices can differ a lot. Thatâs why itâs helpful to work with a firm like ThaiLawOnline that knows how to work across Thailand.
BEFORE YOU LEND · LAWYER-DRAFTED TEMPLATES
Most debt cases we see started without a proper document
A loan over 2,000 baht cannot be enforced in a Thai court without written evidence signed by the borrower (Section 653). If you are about to lend, put it in writing first. Bilingual English-Thai, Word and print-ready PDF, instant download.
Loan agreement, āļŋ590 Loan with mortgage security, āļŋ990 Promissory note, āļŋ390
How ThaiLawOnline Can Help You
At ThaiLawOnline, weâve been helping expats and Thais recover debts for years. Our team includes experienced Thai lawyers and English-speaking staff who understand the cultural and language barriers that can make debt collection so hard.
We offer:
- Custom demand letters, bilingual if needed
- Negotiation services
- Court representation across Thailand
- Affordable fixed fees
- Updates at every step
No matter where you are, whether in Bangkok, Pattaya, Chiang Mai, or a small province, we can help you. We can assist you in court. We can also work to find a fair settlement without going to court.
We also offer debt collection services online, so you donât have to travel or deal with paperwork yourself. Just send us your documents, and weâll take care of the rest.
Last reviewed: 28 September 2026. Read in Thai: the Debt Collection Act B.E. 2558 sections 3, 5, 6, 8, 9, 11, 12, 27, 34 and 39 to 41; Civil Procedure Code sections 4, 153, 154, 274 to 277, 296, 301, 302 and 331; Civil and Commercial Code sections 7, 193/30, 193/33, 193/34, 204, 224, 653 and 654; and Bankruptcy Act sections 8 and 9. The court fee table and the Courts of Justice Organisation Act were not re-read, and the fees and times quoted by the firm are practice, not statute.
FAQ: Debt Collection in Thailand
How long does a civil debt case take in Thailand?
It depends on the court and the amount. Simple cases might be resolved in 6-12 months. Bigger or contested cases can take longer. Mediation is often offered early in the process.
Do I need a contract to sue someone for a debt?
Not always. You can also use bank transfers, LINE chats, emails, or other proof to support your claim. But written contracts make things easier and stronger in court.
Can I collect debt from someone who left Thailand?
This is difficult, but not impossible. If the person still has assets or family in Thailand, or if they return, you may be able to enforce a Thai court judgment. We can also help you try to contact them through local channels.
Is debt collection expensive in Thailand?
We offer fixed-fee services starting at 5,000 THB for a legal demand letter, the rate as at September 2026. Court cases cost more but we always give you a full quote before starting. We provide skilled Thai lawyers for around 2,000 baht per hour. This price is reasonable for the quality we offer.
Can you help if the debtor is Thai and I am a foreigner?
Yes, absolutely. In fact, most of our clients are foreigners dealing with Thai debtors. We can handle translation, cultural differences, and legal representation so you donât have to worry.
Can I file a police report because someone owes me money?
Usually not. An unpaid debt is a civil matter, and the police will send you to the civil court. It becomes criminal only if the other side deceived you from the start in order to get the money, which is fraud under section 341 of the Penal Code, or where a cheque was involved. If you think you were deceived rather than simply not repaid, see our guide to fraud and scam laws in Thailand.
How long do I have to sue for a debt in Thailand?
The general limit is ten years from the moment the claim could first have been enforced, under Section 193/30 of the Civil and Commercial Code. Shorter limits override it: a merchant, manufacturer or craftsman suing for goods delivered or work done has two years under Section 193/34(1), unless what was supplied was for the debtorâs own business, in which case Section 193/33(5) gives five years. Arrears of interest and rent are also five years (Section 193/33), but a business that lets out movable property has two years for the rent, and an employee suing for wages has two (Section 193/34(6) and (9)). This is the limit for bringing the claim, not the separate ten years you have to enforce a judgment after you win.
Ready to Take Action?
If someone owes you money in Thailand and refuses to pay, donât wait too long. The law fixes how long you have to bring the claim, and debtors often move or hide assets. The sooner you act, the better your chances.
How long you have to sue. Usually ten years, and as little as two for a trader suing on unpaid goods or work. The FAQ above sets out the periods.
What the delay costs the debtor. Once the debtor is in default, a money debt carries default interest of at least 5 percent a year, or a higher rate the creditor is lawfully entitled to, such as an agreed contract rate (section 224): the 3 percent base rate in section 7 of the Civil and Commercial Code plus the 2 percent in section 224, with no interest on interest during default. The base rate can be changed by Royal Decree and has not been changed since April 2021. Interest agreed in a loan contract is capped at 15 percent a year, and section 654 says an excessive rate is reduced to 15 percent; but where the rate also breaches the Prohibition of Charging Excessive Interest Act, the Supreme Court treats the whole interest term as void, so no agreed interest runs before default and payments already made go to principal (Supreme Court Decision 2131/2560).
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