In today’s society, the problem of borrowing money and not repaying it occurs frequently. Sometimes the borrower is a close friend, relative, or even a colleague. Many lenders feel uncomfortable pressing for repayment, hoping the money will be returned soon. However, in the end, this often becomes a stressful problem, damaging relationships and resulting in a financial loss with no repayment.
When money is borrowed but not repaid, many people do not know what to do. Some try to collect on their own, leading to conflict, while others give up because they think it’s too troublesome. In reality, Thai law provides clear avenues for creditors to assert their rights. One of the most effective solutions is to let a lawyer handle the lawsuit.
Is Failing to Repay Borrowed Money Against the Law?

According to Section 653 of the Thai Civil and Commercial Code, a loan agreement is a contract in which one party (the lender) delivers money to another (the borrower), and the borrower is obliged to return the same amount of money as agreed. If the borrower fails to repay as promised, it is a breach of contract, giving the lender the right to take legal action.
Evidence such as written contracts, chat messages, bank transfer records, or even audio recordings can be submitted in court, as long as they prove that a genuine loan transaction took place.
Initial Steps to Claim Money Back
1. Ask for repayment directly
Begin with verbal or written requests, giving the borrower a chance to pay without conflict.
2. Send a written demand letter
A formal letter serves as evidence and can support a future lawsuit.
3. Negotiate repayment terms
If the borrower cannot pay in one lump sum, negotiate installments—but make sure to put the agreement in writing for protection.
If the borrower still refuses to pay, taking legal action through the court is the most appropriate option.
Filing a Lawsuit on Your Own

If the borrower does not repay, the lender can file a civil lawsuit to enforce payment. The main steps are:
1.Filing the complaint
While creditors can file lawsuits themselves, lack of legal knowledge may cause errors or delays. Having a lawyer draft the complaint is a safer choice.
2.Court proceedings
The court will attempt mediation first. If unsuccessful, the case will proceed to trial, requiring evidence such as contracts, chats, or bank records.
3.Judgment and enforcement
If the court orders repayment but the borrower still refuses, the lender can request enforcement measures such as asset seizure, wage garnishment, or bank account garnishment.
Why It’s Better to Let a Lawyer Handle the Case?

Although creditors can file lawsuits on their own, legal proceedings are complex. Mistakes are easy to make, which can waste time and weaken the case. Having a lawyer greatly improves efficiency and success. Key benefits include:
1.Correct procedures and documents
Lawyers know how to draft accurate complaints to avoid dismissal or delays.
2.Negotiation and mediation skills
A lawyer can negotiate on your behalf, reducing stress and conflict.
3.Higher chance of success
With experience in presenting evidence, lawyers increase the likelihood of recovering money.
4.Professional enforcement of judgments
Even after winning a case, enforcement is crucial. Lawyers can handle seizure or garnishment properly.
Preparing Evidence Before Filing
If you decide to have a lawyer file the case, prepare the following:
- Copy of the loan agreement (if available)
- Bank transfer slips or account records
- Chat messages or other communications
- Copies of demand letters sent to the borrower
- Any other proof showing that money was lent
The more complete the evidence, the stronger the case.
Don’t Waste Time Arguing Let Lawyers Handle It

Being owed money is not a trivial matter. It causes financial loss, emotional stress, and strains relationships. If the borrower ignores or avoids repayment, creditors have the right to sue. Most importantly, having a lawyer manage the lawsuit ensures every step is correct, efficient, and increases the chance of recovery.
Many creditors, out of anger, resort to posting on social media or publicly insulting borrowers. However, such actions can backfire, exposing creditors to defamation claims. Instead of wasting time and risking legal consequences, the smarter choice is to let a lawyer file the case through proper legal channels. This way, you protect your rights while maximizing your chance of actually getting your money back.
So, if you are facing the problem of unpaid debt, do not let it drag on. Consult a lawyer immediately to find the best solution and safeguard your legal rights.





















































