ฟ้องผู้ค้ำประกัน (Guarantor Recovery)

Legal basis: ป.พ.พ. ม.680–701 (ค้ำประกัน) · แก้ไข 2557/2558 (Consumer protection) · Bank of Thailand guarantor rules Scope: Individual guarantor · Corporate guarantor · Cross-guarantee · Bank guarantee · Personal guarantee (director) Strategy: 1) Verify guarantee validity (post-2015 rules) 2) Demand primary debtor first (ม.686) 3) Notice to guarantor 60 วัน 4) File joint suit (primary + guarantor) 5) Judgment 6) Enforcement per priority Timeline: Notice 60 วัน · Trial 8–14 เดือน · Enforcement 6–12 เดือน · Total 14–26 เดือน Recovery rate: 62% (documented) · 78% (asset-backed guarantor) · 35% (nominal guarantor skip)

- Guarantee agreement (post-2015 compliant) - Primary loan/obligation docs - Notice to primary debtor 60 วัน - Financial status of guarantor - Prior demand + response

1) ✅ Written signed by guarantor 2) ✅ Specific amount (ไม่ใช่ 'all obligations') 3) ✅ Specific duration 4) ✅ Notice to guarantor every default 5) ❌ 'Waive statutory rights' clause = โมฆะ 6) ❌ 'As primary debtor' clause = โมฆะ · Pre-2015 guarantees grandfathered

When guarantor pays — ม.693 subrogates to creditor's rights vs primary debtor + collateral · Reimbursement claim vs primary 100% · Contribution vs co-guarantors (equal share) · Preservation — creditor ต้องไม่ทำลาย security else guarantor discharged

- 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) Verify guarantee validity (post-2015 rules) 2) Demand primary debtor first (ม.686) 3) Notice to guarantor 60 วัน 4) File joint suit (primary + guarantor) 5) Judgment 6) Enforcement per priority
3. Documentation + Asset intel — รวบรวมเอกสาร: Guarantee agreement (post-2015 compliant) · Primary loan/obligation docs · Notice to primary debtor 60 วัน · 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

• Individual guarantor · Corporate guarantor · Cross-guarantee · Bank guarantee · Personal guarantee (director)
• SME + MNC creditors
• Financial institutions + Fintech
• Individual lenders + Family loans
• Cross-border trade creditors
• Landlords + Franchise licensors