Debt Clinic Project Details
- Debt clinic project started in 2017
- Since its launch until March 2023, this project has helped more than 10,000 people with debt problems.

What can debt clinics help people with bad debt?
- Debt Consolidation: Helps combine all your debts into one loan. with interest rates that are lower than before
- Hair Cut: Help negotiate with creditors to reduce the amount of debt that must be paid.
- Debt Forgiveness: This option asks the creditor to waive all or part of the debt.

Advantages and disadvantages of debt clinics
Advantages | Disadvantages
Help consolidate debt into one lump sum | Must be bad debt (missed for more than 120 days)
Can pay in installments for up to 10 years | Excludes informal debt
There are officers giving advice on debt relief |
Low interest of only 3-5% per year |

Qualifications for those eligible to participate in the project
- Be a Thai citizen, not more than 70 years old.
- Have bad debt totaling no more than 2,000,000 baht. Bad debt that can be entered into the project is credit cards, cash cards, and unsecured personal loans.
- Defaulted on payments for at least 121-150 days.
- Willing to join the counseling and debt relief project

Financial and non-bank institutions participating in the project

13 financial institutions
- Bank of Ayudhya Public Company Limited
- Bangkok Bank Public Company Limited
- CIMB Thai Bank Public Company Limited
- ICBC (Thai) Bank Public Company Limited
- Kasikorn Bank Public Company Limited
- Land and Houses Bank Public Company Limited
- Siam Commercial Bank Public Company Limited
- Thai Credit Retail Bank Public Company Limited
- TISCO Bank Public Company Limited
- UOB Bank Public Company Limited
- Thanachart Thai Military Bank Company Limited
- Bank of China (Thai) Public Company Limited
- Government Savings Bank

19 non-bank locations
- Ayutthaya Capital Services Company Limited
- General Card Services Company Limited
- Krungsri Ayudhya Card Company Limited
- Tesco Card Services Company Limited
- Aeon Thanasinsap (Thailand) Public Company Limited
- Easy Buy Public Company Limited
- Citicorp Leasing (Thailand) Company Limited*- Promise (Thailand) Company Limited
- Summit Capital Company Limited
- AIRA & AIFUL Public Company Limited
- ITTP Company Limited
- Ngern Tid Lor Company Limited
- S.S.M. International Company Limited
- Krungthai Card Public Company Limited
- Central Capital Company Limited
- American Express Card Company Limited
- SCB ACOM Company Limited
- Thanachart International Film Company Limited
- M.T. Film Company Limited.