Debt-repayment planning in Narathiwat

The flagship engagement is a debt-repayment plan for a household that already has several balances running at once. Siriwan Phakdee sits with the people who owe the money, lists every debt they are willing to put on the table, and writes an order for extra payments after the minimums are met.

The plan is a paper document the household keeps. It names the balance, the rate, the minimum, the due date, and which debt receives money above the minimum. It also shows a monthly spending picture so the extra payment is a number the household can still live with.

Who it is for

Households in and around Mueang Narathiwat who are paying a mix of hire-purchase, credit cards, personal loans, cooperative loans, or family loans with terms they can state. It suits people who want a written order, not a new loan.

What you leave with

A written repayment order and a twelve-month spending picture. The household leaves with a sequence they chose after seeing the baht cost of paying the highest interest first or the smallest balance first.

How the work proceeds

Papers in
The household sends or brings statements, hire-purchase contracts, and a simple note of family loans. The office checks that names, balances, and due dates are readable before the first meeting is held.
First meeting
Every debt goes on one sheet: balance, interest or hire-purchase charge, minimum or instalment, and due date. Debts that protect a roof, a work vehicle, or a family agreement are marked so the minimum on those accounts stays in the plan.
Draft order
Between meetings the office writes two sequences using the household’s own figures: extra money to the highest interest first, and extra money to the smallest balance first. The draft also places food, rent, school-term costs, and a small reserve before any extra payment.
Second meeting
The household picks the sequence, changes any figure that does not match real life, and takes the written plan home. A revision within thirty days covers a statement that arrived late or a number that was misread.

Included

A document checklist from Niran Boonma before the first meeting
A first meeting of about ninety minutes to read the contracts and list every debt
A draft order prepared in the office between meetings
A second meeting to walk through the order and amend it
One revision of the written plan within thirty days of the second meeting
The written plan in English, with the meeting held in Thai or English

Outside the engagement

Applying for credit, refinancing, or consolidating a loan
Calling a bank, a card issuer, or a cooperative on the household’s behalf
Choosing investments, insurance, or a tax return
Court filings, debt collection disputes, or speaking to a lawyer
Guaranteeing that a creditor will change a rate or waive a fee

Before you come

Latest statement or contract for each debt you want included
A recent month of spending notes, even if they are rough
The day wages or salary usually arrive
Any family loan you are willing to describe, including the agreed monthly sum

Limits of the work

Debts left off the list are left out of the order. The office will not invent a balance.
A family loan is included only when the household states the amount and the understanding with the relative.
If a page is missing, the second meeting waits until that page is in the folder.
The engagement covers planning. Payments to creditors remain the household’s own transfers.

Who does the work

Siriwan Phakdee, principal planner. Niran Boonma prepares the checklist and the appointment book.

Fee

8,500 THB covers up to five debts. Each further debt is quoted before the deposit is paid. The figure is confirmed by email or by phone before a deposit is arranged. The website shows the schedule only. Fee notes for the whole practice.

Next step

Ask for a first meeting and say how many debts you want on the list. The office confirms the fee in writing before any deposit.

Write to arrange it