Consultation · 6,200 THB

Debt Repayment Map

A sitting that lines up each household debt by date and amount, then chooses an order of payment that protects the rent week.

Who it is for
Households juggling more than one instalment who need to know which payment, if missed, makes the rent week loud.
You leave with
A map of each debt the household acknowledges: who is paid, the usual date, the usual amount, and whether a miss threatens rent or food.
Length
About two hours, plus a half-hour follow-up when needed
Where
Bang Nak practice room
Fee basis
Fixed fee for up to six debts, including one follow-up within three weeks.
Two adults seated at a lacquered table beside a stack of face-down papers under velvet curtains

Who sits with you

Kanchana Wongsawat draws the map with the household. She does not contact lenders.

Included

  • The mapping sitting
  • The written map
  • One follow-up of about thirty minutes if a statement arrives within three weeks

Outside this sitting

  • New borrowing
  • Calls or letters to lenders
  • Legal advice
  • A promise that the total owed will fall by a set figure

How the sitting proceeds

  1. 1

    List what is owed

    Every debt the household is willing to put on the table is listed: bank instalments, store credit, and money owed to relatives.

  2. 2

    Protect the home week first

    Rent and food go on the calendar before any debt. Payments are then ordered so the one that disturbs the rent morning is funded ahead of a flexible family loan.

  3. 3

    Write the short-week rule

    The map ends with a sentence the household can follow when cash is thin: which payment waits, and which one does not.

Before you come

  • The amounts and dates you already know
  • Statements if you have them
  • The name of each lender or relative, as you refer to them at home

Limits of the fee

  • The 6,200 THB fee covers up to six separate debts. More than six is quoted before the sitting, because the map takes longer.
  • The practice writes the order of payment. It does not negotiate with creditors.

One sitting, with a short follow-up if a new statement arrives

Ask for this sitting

The fee on this page is a guide. The practice confirms the amount in writing before a date is held. Payment is arranged with the practice, not on this website.

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