Situation: A divorced Thai lady took out several credit card loans to bridge the gap between her savings and what the bank would loan her and the price of the house. She had a good job as a supervisor in a clothing manufacturing factory. 6 months later the factory was moved to Myanmar and she lost her job. She hasnt been able to get a job that would pay as much and hasnt made credit card payments for a long time. A lawyer called suggesting if she didnt pay up they would force the sale of her home to get the money all tolled she now owes 135,000baht.

She has no car, only a motorbike. Are there bankruptsy laws in Thailand to protect a persons home from a forced sale as exist in USA?

id mind my own business be4 she starts asking u for money. 135,000 aint that much! whats the value of her home?

Yes - one can be bankcrupted in Thailand.

No savings at all, no family or friends who could help?

House - how long has she had it?

Is there any equity in the property?

Can equity in the house not be used to secure a 3rd party loan?

Against the amount of money at stake here, I have wonder just what her financial situation is if she is unable to come to an agreement with her creditors.

Are you saying that even considering the above options, she still cannot raise, say 5, 000 per month (or even 3 000 - 4000 per month)?

The point being, civil law would surely protect her and her home (especialy if she had children) if she were to make such an offer of monthly repayment along the lines of the above.

is this a joke? what is the value of the house? sell the house and get out of debt and buy a house with the difference is this not obvious? why dont you just give her the money is she too old for your tastes?