ฟ้องผิดสัญญากู้ยืมเงิน

Legal basis: ป.พ.พ. ม.653 (Loan must be written if >2,000) · ม.654 (Interest cap 15%/ปี) · อายุความ 10 ปี (ม.193/30) · 2 ปี pro trade Scope: Formal loan agreement > 2,000 บาท · Related party · Shareholder loan · Director loan · Family loan · Investment default Strategy: 1) Demand letter + acceleration clause invoke 2) File civil (ศาลจังหวัดถ้า >300k) 3) Discovery + interest calc 4) Judgment 5) Enforce collateral first (if secured) 6) Deficiency vs personal assets Timeline: Demand 15–30 วัน · Filing→Trial 8–14 เดือน · Enforcement 6–12 เดือน · Total 14–26 เดือน Recovery rate: 70% (documented + solvent) · 90% (with collateral) · 35% (unsecured + skip)

- Written loan agreement (mandatory >2k) - Money transfer proof (bank slip) - Interest calculation history - Communication log - Collateral docs (if any) - Guarantor agreement

Standard clauses: 1) Missed payment 30 วัน 2) Cross-default 3) Insolvency event 4) Material adverse change 5) Fraud/misrepresentation · Effect: Entire principal + accrued interest immediately due · Notice required 7–14 วัน typical

Director loan >2M = disclosure to shareholder · Interest-free related loan = imputed income at market rate (Revenue Dept.) · Shareholder loan treated as capital in bankruptcy · Documentation critical for deductibility

- 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) Demand letter + acceleration clause invoke 2) File civil (ศาลจังหวัดถ้า >300k) 3) Discovery + interest calc 4) Judgment 5) Enforce collateral first (if secured) 6) Deficiency vs personal assets
3. Documentation + Asset intel — รวบรวมเอกสาร: Written loan agreement (mandatory >2k) · Money transfer proof (bank slip) · Interest calculation history · 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

• Formal loan agreement > 2,000 บาท · Related party · Shareholder loan · Director loan · Family loan · Investment default
• SME + MNC creditors
• Financial institutions + Fintech
• Individual lenders + Family loans
• Cross-border trade creditors
• Landlords + Franchise licensors