เจรจาปรับโครงสร้างหนี้ (Debt Restructuring)

Legal basis: พ.ร.บ.ล้มละลาย ม.90/1–90/90 (Business Reorganization) · BOT Consumer Debt Restructuring 2565 · Voluntary workout Scope: Corporate debtor 5M–1B+ · Multi-creditor scenario · SME workout · Individual with multi-bank consumer debt Strategy: 1) Financial analysis + viability test 2) Standstill agreement 3) Multi-creditor meeting 4) Restructuring plan (haircut + extension + equitization) 5) Voting (75%) 6) Court sanction (if court-supervised) 7) Monitoring Timeline: Standstill 30–90 วัน · Plan drafting 60–120 วัน · Voting + sanction 30–60 วัน · Total 4–9 เดือน · Implementation 3–7 ปี Recovery rate: 72% (voluntary + viable business) · 42% (court-supervised) · 88% (BOT-facilitated SME)

- Full financial statements (3 ปี audited) - Cash flow forecast 5 ปี - Creditor list + amounts + collateral - Business viability report - Restructuring proposal + waterfall - Independent business review (IBR)

1) Extension — maturity 3–7 ปี 2) Interest rate reduction — MLR-based to fixed 3) Haircut — principal write-off 4) Debt-to-equity swap — creditor becomes shareholder 5) Payment moratorium — 6–24 mo 6) Ring-fencing — carve out viable ops 7) Fresh money DIP financing priority

Petition: debtor or creditor (>10M debt) · Requirements: insolvent + rehabilitation possible · Automatic stay all enforcement · Planner appointed by creditors · Plan approval 75% each class · Court sanction required · Duration 3–5 ปี typical · Success 42% (2565)

- ทีมทนายในเครือขึ้นทะเบียนสภาทนายความ + Certified Insolvency Practitioner - Recovery rate เฉลี่ย 68–82% (industry avg 45%) - Case load 2,000+ คดี · จำนวนหนี้รวม > 3,500 ล้านบาท - Network ทนาย 40+ ประเทศ (cross-border enforcement) - In-house asset intelligence + PI + OSINT team - No-Win-No-Fee options available · Success fee 20–30% - Errors & Omissions Insurance · Attorney-Client privilege ม.51

1) Flat Fee Retainer — fixed upfront, best for clear-cut cases 2) Hourly — 2,500–6,000 บาท/ชม · complex litigation 3) No-Win-No-Fee (Success) — 20–30% of recovery · zero upfront risk · min. debt 500k 4) Hybrid — reduced retainer + 15% success · balanced risk sharing 5) Portfolio pricing — bulk collection (10+ debtors) → volume discount 30–40%

- พ.ร.บ.ทวงถามหนี้ 2558 compliance (consumer debt) - PDPA 2562 encrypted storage · secure communication channel - Attorney-Client Privilege ตาม พ.ร.บ.ทนายความ ม.51 - AML/CTF — client screening + suspicious transaction reporting - Sanctions screening — OFAC/EU/UN checks for cross-border - Conflict Check — DBD + court records + adverse party database

1. Intake + Conflict + Debt audit — รับข้อมูล conflict check ผ่าน DBD + court record · Debt audit: อายุความ + interest calc + admissibility · Free 30-min consultation · Fee proposal (flat/hourly/success)
2. Pre-litigation Strategy — 1) Financial analysis + viability test 2) Standstill agreement 3) Multi-creditor meeting 4) Restructuring plan (haircut + extension + equitization) 5) Voting (75%) 6) Court sanction (if court-supervised) 7) Monitoring
3. Documentation + Asset intel — รวบรวมเอกสาร: Full financial statements (3 ปี audited) · Cash flow forecast 5 ปี · Creditor list + amounts + collateral · Asset intelligence (Land/DBD/DLT/BOT) · Skip trace · Credit bureau (with consent)
4. Filing + Prosecution — Filing at competent court · Interim relief (injunction/attachment) if needed · Discovery + witness prep · Mediation attempt · Trial + judgment
5. Enforcement + Recovery — Writ of execution · Asset seizure via bailiff · Bank account freeze · Salary garnishment · Auction coordination · Distribution + reporting

• Corporate debtor 5M–1B+ · Multi-creditor scenario · SME workout · Individual with multi-bank consumer debt
• SME + MNC creditors
• Financial institutions + Fintech
• Individual lenders + Family loans
• Cross-border trade creditors
• Landlords + Franchise licensors