Every competitor page cites Thailand's Debt Collection Act — but it doesn't apply to your debtor. That law governs individuals only; a corporate debt runs on the ordinary Civil Procedure Code, with no fast-track shortcut. First results typically within 20 days. You pay only when money moves.
สำนักงานนี้เป็นตัวแทนของเจ้าหนี้ของท่านในหนี้ทางการค้าข้างต้น ซึ่งถึงกำหนดชำระแล้วแต่ยังไม่ได้รับการชำระ
ขอให้ท่านชำระเงินเต็มจำนวนภายใน 7 วัน นับจากวันที่ในหนังสือฉบับนี้ พร้อมดอกเบี้ยผิดนัดตามประมวลกฎหมายแพ่งและพาณิชย์ หากไม่ได้รับการชำระ เราได้รับคำสั่งให้ดำเนินคดีแพ่งตามประมวลกฎหมายวิธีพิจารณาความแพ่งโดยไม่ต้องแจ้งเตือนเพิ่มเติม
ทนายความในประเทศไทยของเราได้รับเอกสารคดีครบถ้วนแล้ว
This is what your Thai debtor receives — and note what it doesn't cite: the Debt Collection Act B.E. 2558 that dominates search results for "debt collection Thailand" only governs individual debtors, not companies. Your claim runs on the ordinary Civil Procedure Code instead. Hover the black bars — that is where your debtor's name goes.
Thailand has no B2B documentary fast-track — and the law most search results cite doesn't even apply to a corporate debtor. Tap a stage — see what the debtor receives, what it costs them, and what the law hands you next.
«ขอให้ชำระหนี้ ████ จำนวน ฿███,███ ซึ่ง ค้างชำระ…»
«…เจรจาตกลงเงื่อนไขการชำระหนี้…»
«ฟ้องคดีแพ่งตามประมวลกฎหมายวิธีพิจารณาความแพ่ง พ.ศ. 2477…»
«ศาลมีคำพิพากษาให้ชำระหนี้แก่โจทก์…»
«การบังคับคดีต่อ ██████ จำกัด โดยกรมบังคับคดี…»
Cosmodca runs this ladder for overseas creditors every day — a debt collection agency for Thailand that files, serves, and enforces locally while you follow the case in one dashboard. The most-cited Thai law in this space, the Debt Collection Act B.E. 2558, is strict on collector conduct — but it only reaches individual debtors, not companies. For a foreign creditor chasing a Thai business, the real path is the ordinary Civil Procedure Code, with no fast-track behind it. Knowing that before you start saves time chasing the wrong statute. Debtor elsewhere in Asia? See the international debt collection agency desk.
Creditors in the US, UK, Germany, and beyond place Thai cases with one desk — correspondents on the ground, one dashboard in your language.
Atradius doesn't cover Thailand, and no Thai court or ministry publishes an accessible annual insolvency count. The Department of Business Development does publish company closures — but a closure isn't an insolvency, and we won't conflate the two. What we can verify:
No Atradius, Coface, or Intrum payment-behavior barometer covers Thailand. The Legal Execution Department administers bankruptcy under the Bankruptcy Act B.E. 2483 but publishes no accessible annual series, so no insolvency card appears here. The 2,218 figure is company closures, a different and broader category than insolvency, and is shown only as context, not as a proxy for financial distress. Source: US Census Bureau, Trade in Goods with Thailand · Department of Business Development, Thailand
Debt collection in Thailand is the recovery of overdue invoices from Thai businesses on behalf of the creditor — written demand, then, where unresolved, an ordinary civil claim. For an overseas creditor, a debt collection agency for Thailand runs the entire ladder locally while you keep one contact.
Your case reaches a Thai correspondent the same day.
Live entity confirmed against the Thai corporate registry.
Demand letter issued in Thai. Most Thai commercial cases settle here.
Consensual only — pursued where the debtor engages, not a compulsory step.
Filed under the Civil Procedure Code B.E. 2477 — ordinary proceedings, with no documentary fast-track available.
Execution through the Legal Execution Department, or a Bankruptcy Act petition where appropriate. No recovery, no fee.
Three models cover nearly every Thai commercial case. The percentage depends on claim age, size, and complexity. Legal costs are quoted and approved by you before any filing.
A flat-fee Thai demand sequence under your name — issued in Thai. Escalates only if the debtor stays silent.
A success fee on the amount actually recovered. Nothing upfront. Nothing on failure. Civil and Commercial Code interest often offsets part of the fee.
Civil claim filing and enforcement through correspondents in Bangkok. For urgency, the fast debt collection service; for contested claims, attorney-based debt collection from day one.
The Debt Collection Act B.E. 2558 dominates the search results for Thai debt recovery, and it's strict — identity disclosure, contact hours, confidentiality. But its scope is individual debtors only. A corporate debt is not covered by the Act at all, and there's no B2B fast-track behind it either: the claim runs on the ordinary Civil Procedure Code, from demand letter through civil judgment to enforcement. Getting a creditor's expectations calibrated to that reality — rather than the conduct rules everyone else cites — is the first real step in any Thai file. Specialist B2B debt collection puts that machinery behind your receivable on a success-fee basis, with industry desks for manufacturing, logistics, healthcare, aviation, maritime, and technology.
Debt collection in Thailand starts with a written demand letter, then, where unresolved, moves to negotiation or mediation if both sides agree, and finally a civil claim under the Civil Procedure Code B.E. 2477 if it doesn't settle.
A Thai business that ignores a demand letter and a civil claim faces an ordinary civil judgment, followed by enforcement through the Legal Execution Department or, where appropriate, a bankruptcy petition under the Bankruptcy Act B.E. 2483.
No, if your debtor is a company. The Debt Collection Act B.E. 2558 (2015) is the law most search results cite, and it strictly governs collector conduct — but its scope is limited to individual debtors. A corporate debt is not covered by the Act at all.
No. Business-to-business recovery in Thailand runs on the general Civil Procedure Code — there is no documentary payment-order shortcut. Negotiation and mediation are consensual options, not compulsory pre-action steps.
On the contingency model, nothing upfront: the success fee is a percentage of the amount actually recovered, quoted in writing before you place the case. Thai court fees are calculated as a percentage of claim value under the Civil Procedure Code.
Yes, directly. A civil claim doesn't require a prior US or UK judgment — it's filed straight with the Thai courts. Where you already hold a foreign judgment, our Thai correspondents assess whether recognition changes the strategy.
The longer read for creditors doing their homework: how Thai collection actually runs, the statute-that-doesn't-apply signature that makes Thailand different, the Civil Procedure Code path in detail, what Thai law does and doesn't give you, and when placing a case is the wrong move. Open what matters.
A debt collection agency working Thailand for an overseas creditor does four things you cannot efficiently do from abroad. It verifies the debtor against the Thai corporate registry (DBD). It applies pressure via a demand letter citing the Civil and Commercial Code. It escalates via civil claim. And it enforces via the Legal Execution Department.
This pillar is fully greenfield: no prior Cosmodca presence for Thailand exists in any language, and no Cosmodca URL returned impressions for any Thailand query in the last 90 days.
The Debt Collection Act B.E. 2558 dominates almost every competitor page for this search term, and it's a strict statute — identity disclosure, permitted contact hours, confidentiality obligations on the collector. But its scope, by its own terms, is individual debtors only.
A debt owed by a Thai company is not covered by the Act at all, and there's no B2B fast-track sitting behind it either. What actually governs a corporate claim is the general Civil Procedure Code B.E. 2477, with the Civil and Commercial Code supplying default interest. Saying this plainly, rather than repeating the conduct-statute framing every competitor uses, is the single highest-value fact on this page.
There is no compulsory pre-action mediation step for a B2B claim — negotiation happens only if both sides choose it. Absent settlement, the claim proceeds through ordinary civil litigation under the Civil Procedure Code B.E. 2477, with no documentary or summary shortcut available at any stage.
Enforcement runs through the Legal Execution Department against the debtor's assets, or, where appropriate, a bankruptcy petition under the Bankruptcy Act B.E. 2483 — 2025 draft amendments would make SME rehabilitation more accessible, worth monitoring for future cases.
The Civil and Commercial Code entitles a B2B creditor to default interest — not the Debt Collection Act, which is a common misattribution in this space. No Atradius, Coface, or Intrum payment-behavior barometer covers Thailand.
The Department of Business Development's company-closures figure (2,218 in the first two months of 2025) is shown for context only — a closure is a different, broader category than an insolvency, and we won't present it as a proxy for financial distress.
Candor is cheaper than a wasted mandate. If the debtor is already in bankruptcy proceedings, a fresh civil claim is the wrong tool, and we will tell you so at assessment. If the debtor genuinely disputes what you delivered, there's no summary shortcut to fall back on — the file needs a full-merits strategy from day one. And if the claim is past the applicable limitation period, no collector revives it.
Everything else — the silent จำกัด, the debtor who "never received" the invoice, the customer betting an overseas creditor won't instruct Thai correspondents — is exactly what this desk exists for. The assessment costs nothing and tells you which category your case is in. Debtors elsewhere in Asia belong with the global coverage hub.
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