Debt Collection

Sky International Legal Co., Ltd. provides comprehensive and professional debt collection services in Thailand, helping businesses and individuals recover outstanding debts with efficiency, transparency, and strict compliance with Thai law.

With our unique foundation as a private investigation firm, combined with a team of experienced litigators, we go beyond standard debt recovery. We specialize in locating debtors, tracing hidden assets, filing lawsuits, and enforcing court judgments — ensuring that your financial rights are protected at every stage.

Legal Framework for Debt Recovery in Thailand

Thailand’s Debt Collection Act B.E. 2558 (2015) regulates how debts may be collected, protecting both creditors and debtors. Under this law:

  • Debt collectors must respect time, place, and method restrictions (e.g., permitted hours and approved locations).
  • Only the debtor or authorized representative may be contacted; disclosure to third parties is prohibited.
  • Unfair or abusive practices (threats, harassment, false representation) are strictly forbidden.
  • Interest rates are capped at 15% per annum unless otherwise permitted under commercial usage.
  • Written evidence is required for debts above THB 2,000.
  • Court judgments remain enforceable for up to 10 years.

At Sky International Legal, we ensure all recovery actions strictly follow Thai regulations, protecting your reputation and minimizing legal risk.

Our Debt Collection Process

  1. Debtor & Asset Investigation

Our investigative background gives us a unique advantage. We trace debtor locations, financial records, property ownership, and hidden assets through discreet yet lawful methods.

  1. Pre-Legal Demands & Negotiation

We issue formal demand letters and negotiate directly with debtors, seeking amicable settlements and structured repayment plans whenever possible.

  1. Litigation & Court Proceedings

If negotiations fail, our legal team files lawsuits in Thai civil courts, presenting strong documentary and witness evidence to secure a favorable judgment.

  1. Judgment Enforcement

Winning in court is only half the battle. We specialize in judgment enforcement, including:

  • Property seizure and repossession
  • Bank account or wage garnishment
  • Forced sale of assets through the Legal Execution Department

Our expertise in asset tracing and enforcement ensures judgments translate into real recoveries.

Why Choose Sky International Legal?

  • Private Investigation Expertise – We go beyond legal paperwork, identifying assets debtors may attempt to conceal.
  • In-House Legal Team – From case assessment to courtroom litigation, we provide end-to-end legal representation.
  • Enforcement Specialists – Our strength lies in executing judgments, ensuring debts are not only recognized but collected.
  • Bilingual Service – Our team works seamlessly in both Thai and English, bridging communication for international clients.
  • Ethical & Compliant – We strictly follow Thai debt collection law, preserving your reputation while achieving results.

Who We Serve

  • International corporations with operations or debtors in Thailand
  • Local businesses and SMEs seeking overdue payment recovery
  • Financial institutions with non-performing loans
  • Private individuals requiring legal and investigative support

Trusted Debt Collection Company in Thailand

At Sky International Legal Co., Ltd., we combine investigative precision, legal expertise, and enforcement power to provide unmatched debt recovery services in Thailand. Whether you need to trace a debtor, initiate legal action, or enforce a judgment, our team ensures effective, ethical, and results-driven solutions.

Contact us today to speak with our debt recovery specialists and learn how we can help you secure what is rightfully yours.

GET A QUOTE

Debt Collection Services in Thailand – Q&A

Yes. Debt collection is legal in Thailand but is strictly regulated under the Debt Collection Act B.E. 2558 (2015). Creditors and collection agencies must follow the law, which prohibits threats, intimidation, or harassment of debtors. All recovery actions must be ethical and compliant with Thai regulations.

Creditors typically have two options:

  1. Negotiation & Demand Letters – Informal settlements, repayment plans, or direct negotiation with the debtor.
  2. Litigation & Enforcement – Filing a lawsuit in court, obtaining a judgment, and enforcing it through the Legal Execution Department (asset seizure, bank account garnishment, or property auction).

The LED is responsible for enforcing court judgments in Thailand. Once a creditor wins a case, the LED can trace assets, seize property, and arrange public auctions to liquidate assets. However, the creditor must initiate enforcement procedures; a judgment does not enforce itself.

Common reasons include:

  • Debtors hiding or transferring assets to others.
  • Difficulty in tracing cash-based or informal assets.
  • Debtors being insolvent or bankrupt.
  • Delays in enforcement proceedings due to heavy caseloads at the LED.

Yes. Many professional debt collection agencies in Thailand have expertise in asset tracing and investigation—identifying hidden property, bank accounts, and business interests. This step is crucial to ensure that enforcement proceedings are effective.

  • Legal compliance: Avoids unlawful practices that could harm your case.
  • Expertise: Knowledge of Thai debt collection law and court procedures.
  • Asset investigation: Ability to trace and locate debtor assets.
  • Efficiency: Saves time and resources compared to handling the process alone.

Yes. Foreign individuals or companies can pursue debt recovery in Thailand. They may appoint a Thai lawyer or a licensed collection company to represent them in negotiations, litigation, and enforcement proceedings.

The timeline varies. Informal negotiations may resolve debts within weeks, while litigation and enforcement can take months or even years, depending on the complexity of the case and whether debtors attempt to conceal assets.

Common cases include:

  • Unpaid loans
  • Outstanding invoices (commercial debt)
  • Breach of contract damages
  • Defaulted hire-purchase or leasing agreements
  • Personal guarantees

With a foundation in private investigation and strong expertise in asset tracing, litigation, and enforcement, Sky International Legal offers a comprehensive debt recovery service. We combine investigative skills with legal enforcement strategies to maximize the chance of successful recovery for both Thai and international clients.

For more inquiries, please feel free to contact us:

Sky International Legal Co., Ltd.
725 S Metro Building, 20th Floor, Room 174, Sukhumvit Road, Khlong Tan Nuea Subdistrict, Vadhana District, Bangkok 10110.
See map (click here)

Tel. 081-9151522, 090-0700080
Email: skyinterlegal@gmail.com