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Letmebefree

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  1. I don’t disagree with the sentiment, having bad debts is the opposite of everything I believe in, but it appears that legally speaking I’m not under any obligation to do so (to be clear these aren’t gambling debts but the legal advice in the link below seems to stand in this case too) https://www.thailandlawonline.com/62-marriage-family-inheritance/58-do-i-have-to-pay-for-my-thai-wife-s-gambling-debts
  2. I appreciate your response. I really didn’t want to get into this online, especially as it’s easy for strangers online to judge based on stereotypes. But what have I got to lose I guess? Actually our marriage is generally very good. We’re very close in age, both relatively successful working professionals (although at this time I’m certainly the higher earner), met young and grew from nothing together. God knows nothing is perfect but as difficult as life is for anyone, my marriage is a bright spot in mine. Unfortunately she suffers with a manipulative and historically unloving/borderline abusive family who have a secret access code to her guilt buttons. It’s certainly not unique to Thailand, I have my own family issues, but I’m sure many reading this can relate. It is tearing her apart because she knows the truth and yet can’t seem to fully get away and we’ve sought professional help to help her find some kind of resolution which is why I now know the full truth. So that’s a positive. The debts are nothing major in the scheme of thing. Yes totally unwelcome and I’d definitely rather keep my money for better things but it’s not worth the cost of a great marriage and I’m not going to just dump her when she’s down - as she’s so used to. She wouldn’t do it to me I know that much. But - how do I know she won’t do it again? I don’t know. We agree, she knows I have no choice but to walk away if she does, we talk about total honesty in all things financial from here on out etc. But I have no rights here, no way to stop her getting the very easily available credit. I know she doesn’t want to but abusive relationships are a funny thing that can defy logic, which she certainly isn’t devoid of under “normal” circumstances. So yes, I’m scared and I don’t know what’s best to do here.
  3. Thanks for the reply. There is no collateral so that’s not an issue thankfully. I have thought the same thing about letting the debts go bad but I’m concerned at that point when you add in (I assume) interest, fines etc that it’s just getting more out of control. At the moment I can cover them but if it spirals out of control then it becomes less and less likely that I comfortably can.
  4. Started a new account for this one because I don’t want to embarrass anyone involved. Long story short, my Thai wife has run into a considerable amount of credit card debt in her own name. I’m sure she would have had more fun spending it on luxury bags and perfume but unfortunately it’s the good ol’ family financial problems/pressure story. Well, I didn’t know the full extent of it and now I do, and the extent is full let me tell you. What lead to the debts etc is a separate issue and being dealt with. While I’m sure plenty here would love to give me marriage advice, I’ll leave that to the professionals if you don’t mind. I’m in a position where: 1 - I HATE debt of any kind and want it cleared and accounts closed asap 2 - I can pay it off but it’s substantial and I’d like to pay the minimum possible I am well aware of debt settlement procedures abroad and know of others who have gotten 40-50% of credit card debts written off in Thailand so I know it’s possible. My question is, does anyone have any practical advice based on experience how to approach this in Thailand? - Call each one? And say what? - Write a formal offer letter? And if so, to whom exactly? My experience writing to anyone in Thailand is it’s usually ignored. Your help is appreciated. As much as this is something I can and will deal with, it’s stressful and painful not knowing how to approach it.
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