📣 ช่วยลูกหนี้ต่อเนื่อง ด้วยการปรับโครงสร้างหนี้ - ลูกหนี้ควรทำอะไร ⁉️ และเจ้าหนี้ต้องทำอะไร ⁉️

Summary

The discussion centers on long-term debt relief measures, specifically restructuring loans for borrowers facing payment difficulties before loans become non-performing (NPL). Creditors are required to offer restructuring options at least once. If problems persist and the debt reaches NPL status, another attempt to restructure must be made before further actions such as legal proceedings are initiated. Various initiatives like the Debt Clinic for credit card and personal loan defaulters, and rapid debt solutions for COVID-19 impacted borrowers, are highlighted to help manage and resolve debt issues.

Takeaways

• 📅 The long-term debt relief measures have expired, but new restructuring plans are in place starting January 1, 2024.
• 📜 Creditors must negotiate debt restructuring with borrowers when they face difficulties in repayment, even if they haven't reached NPL (Non-Performing Loan) status.
• 💡 Borrowers have the right to request debt restructuring if they foresee repayment issues, even before becoming NPLs.
• 🤝 Creditors are required to offer at least one solution for debt restructuring when borrowers encounter repayment difficulties.
• ⚖️ If a borrower becomes NPL, creditors must still attempt to offer another restructuring option before taking legal action or selling the debt.
• 💳 The Debt Clinic program is available for credit card and personal loan debtors with arrears exceeding 120 days.
• 🚑 The 'Debt Fast Track' initiative helps debtors who struggle to contact creditors, providing a mediation service.
• 👨‍⚕️ The 'Debt Doctor for the People' program offers direct consultations for debtors through the Bank of Thailand's Line service.
• 📈 Previous debt relief measures were implemented before, during, and will continue beyond the COVID-19 period.
• 💬 Communication between debtors and creditors is emphasized as key to finding solutions and avoiding further financial difficulties.

Q & A

What is the main topic discussed in the transcript?

The main topic is about debt restructuring measures, focusing on helping debtors through negotiation and restructuring of loans after previous debt relief measures have expired.

What is the primary focus of the new debt restructuring measures?

The new debt restructuring measures aim to help debtors who have difficulty repaying loans but have not yet reached the stage of non-performing loans (NPL). Creditors are required to offer debt restructuring options to such debtors.

What should debtors do if they face difficulties repaying their loans?

Debtors should approach their creditors to negotiate and restructure their loans before the situation worsens. Even if the loan hasn’t become an NPL, debtors have the right to request debt restructuring.

What is the role of creditors in this debt restructuring process?

Creditors are required to offer at least one debt restructuring option to debtors who face repayment difficulties before their loan becomes an NPL.

What happens if a debtor faces repayment problems again after restructuring?

If a debtor encounters further repayment issues after the initial restructuring, creditors must offer additional assistance and try to restructure the debt again before resorting to legal action or selling the debt.

What are some of the programs available for debtors during and after the COVID-19 period?

Programs available include the Debt Clinic for credit card and personal loan debtors who are over 120 days overdue, and the Fast-Track Debt Restructuring program introduced during COVID-19.

What is the Debt Clinic, and who is it for?

The Debt Clinic is a program aimed at debtors with credit card and personal loan debts who have been overdue for more than 120 days. It helps them restructure their debts.

How does the Fast-Track Debt Restructuring program help debtors?

The Fast-Track Debt Restructuring program assists debtors by facilitating communication between the debtor and creditor to quickly resolve repayment issues, especially if the debtor is having trouble contacting the creditor.

What is the role of the 'Debt Doctor' service mentioned in the transcript?

The 'Debt Doctor' service allows debtors to contact the Bank of Thailand through Line, where they can schedule a consultation with a 'Debt Doctor' to receive personalized advice on managing and restructuring their debts.

What are the benefits of contacting the 'Debt Doctor' service?

Debtors can receive expert advice and support in negotiating with creditors, and the service acts as an intermediary to help resolve debt-related issues, offering additional tools to manage debt effectively.