Debt Collection Law in Thailand 泰國追債法介紹
It is not uncommon to hear stories such as using abusive language, violence and blackmail when it comes to debt collection in Thailand. In the effort to provide fair and standardized collection regulations to protect the debtors, the National Legislative Assembly has passed the Debt Collection Act, B.E. 2558 (2015) which applied to all debt collectors such as individual and banks but not debtor companies. Under the Act, creditors will be more strictly regulated and debtors will be protected.
當聽到有關在泰國追債等故事時，經常聽到債權人會使用侮辱性語言，暴力，及勒索等傳聞。為了提供公平和標準化的收款法規以保護債務人，全國立法議會通過了佛曆2558年（2015年）《泰國追債法》，適用於所有收債員，例如個人和銀行，但不適用於債務人公司。此《泰國追債法》對債權人將會進行更嚴格的監管，並保護債務人。
According to the Act, debt collector means a creditor who is a credit provider, a business operator under the law on consumer protection, and other creditors who are entitled to receive payment incurred from business and such debt is legal and shall include an attorney authorized by a creditor.
根據該法的定義，追債人是指提供信貸的債權人、在《消費者保護法》下的企業經營者，以及有權從合法商業營運收款的其他債權人，且應包括債權人授權的律師。
Following are some points you should also know about the Act:
以下為《泰國追債法》幾點介紹:
1. A debt collector is prohibited from making contact with other persons who are not debtors for debt collection, except for a person specified by a debtor for such purpose, for example, a lawyer.
禁止追債人與非債務人以外的人聯繫以進行追討， 但債務人指定 的人（例如律師）例外。
2. Collector cannot tell third parties that such debtor owes debt unless the third party is a spouse, parent, or child of the debtor.
追債人除了債務人的配偶、父母或子女之外，不能告訴其他第三人有關債務人欠債一事。
3. Collector cannot use any language, symbol, or business name of him/her on any correspondence that may leads others to think the conversation is related to debt collection.
追款人不能使用任何語言、符號、或商業名稱使其他人認為通訊內容與討債有關。
4. Collector can only contact debtor during 8:00-20:00 from Monday to Friday and during 8:00-18:00 on public holidays.
追債人只能在平日早上八點到晚上八點、或是假日的早上八點到晚上六點與債務人聯絡。
5. Collector can only contact debtor at particular place specified by debtor.
追債人只能在債務人約定的地方聯繫他。
6. Once collector has received payment from debtor, debt collector should issue proper receipt as evidence of payment.
追債人收到款項後應該出具收款證明。
Any person who violates or fails to comply with the Act is a criminal offense and can be reported to district office or police station. Collector who threatens or causes injury to debtor’s person, property, or reputation can be fined up to THB 500,000 and/or jailed for up to five years.
任何違反或未遵守《泰國追債法》的人皆為刑事犯罪，可以向地區辦公室或警察局報案。威脅或損害債務人的生命、財產或名譽的追債人最高可被處以500,000泰銖的罰款和/或五年的監禁。
Individual directors, managers, and representatives of corporate debt collectors can also be criminally liable. If a company violates the law, and the offense falls within the scope of duty of the director, manager, or representative, these people can be punished for the same offense that committed by that corporate.
個人董事、經理和公司追債人的代表也可能承擔刑事責任。如果公司違反法律，且此罪為董事、經理或代表的職權範圍，可對這些人處以與公司犯罪同等的懲罰。
Even though we know that the best way for debtors to minimize risk of dealing with immoral collectors is to borrow from reputable lenders, this Act however provides measure of protection for those who aren’t able to do so. Nevertheless, careful lenders should understand the law.
即使我們知道減少與追債人接觸的方式就是向信譽良好的機構借錢，該法為有困難的人提供了一種保護措施。儘管如此，謹慎的貸款人應熟悉法律避免犯法。
IBC International Business Consultancy is a law and accounting firm located in Bangkok, Thailand with experienced lawyers, accountants, and financial advisers. We provide services including investment, tax and legal advice in Thailand.
IBC泰國法律金融會計事務所 (International Business Consultancy) 為一間位於曼谷的泰國律師/會計師事務所，由經驗豐富的律師、會計師、及財務顧問組成，可提供泰國投資、泰國稅收及泰國法律諮詢等服務。
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