คัดค้านการฟื้นฟูกิจการ (Opposition to Business Reorganization)

Legal basis: พ.ร.บ.ล้มละลาย ม.90/1–90/90 · ม.90/12 (Plan objection) · ม.90/54 (Cram-down) · ศาลล้มละลายกลาง Scope: Secured creditor · Trade creditor with large exposure · Bondholder · Foreign creditor · Employee creditor Strategy: 1) Monitor bankruptcy court publication 2) File proof of claim within deadline 3) Attend creditors' meetings 4) Vote on plan (class-based) 5) Object to plan sanction 6) Appeal if plan approved unfair · Convert to bankruptcy if plan fails Timeline: Petition filing→hearing 60 วัน · Plan submission 3 mo (extendable) · Voting 30 วัน · Sanction 30 วัน · Appeal 15 วัน · Total 6–12 เดือน Recovery rate: 68% (plan modification favorable) · 45% (convert to bankruptcy) · 82% (secured creditor recovery >70%)

- Proof of claim + supporting docs - Contract + security agreements - Financial exposure analysis - Rehabilitation plan critique memo - Alternative liquidation analysis (LTA) - Voting strategy across classes

Grounds: 1) Plan not feasible (financial projections unrealistic) 2) Unfair discrimination between classes 3) Best interest test failed 4) Bad faith (fraudulent transfer, insider preferences) 5) Not proposed in good faith 6) Cramming unfairly · Evidence: IBR (independent business review), liquidation analysis, comparable precedents

Approval requires: ≥75% by value of each class + majority by number · Class breakdown: 1) Secured (each collateral = class) 2) Priority (tax/wages) 3) General unsecured 4) Subordinated · Strategy: control 25%+1 in one class = veto power · Buy claims from other creditors

- 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) Monitor bankruptcy court publication 2) File proof of claim within deadline 3) Attend creditors' meetings 4) Vote on plan (class-based) 5) Object to plan sanction 6) Appeal if plan approved unfair · Convert to bankruptcy if plan fails
3. Documentation + Asset intel — รวบรวมเอกสาร: Proof of claim + supporting docs · Contract + security agreements · Financial exposure analysis · 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

• Secured creditor · Trade creditor with large exposure · Bondholder · Foreign creditor · Employee creditor
• SME + MNC creditors
• Financial institutions + Fintech
• Individual lenders + Family loans
• Cross-border trade creditors
• Landlords + Franchise licensors