Balance inventory
Line-by-line review of cards, informal loans, and overdue utilities so total exposure matches what appears on statements—not memory alone.
Routepoint Debt Planning
Structured financial planning consultations for people in Thailand working through debt repayment schedules, creditor conversations, and long-term recovery priorities.
Recovery planning moves in deliberate stages
We map what you owe, what you earn, and which payments protect housing and essentials before optional commitments.
Each consultation follows a written sequence: inventory your balances and interest types, stress-test minimum payments against real monthly costs, then draft a repayment order you can explain to family or co-borrowers. Nothing here promises a specific outcome with creditors; we focus on clarity you can act on.
When court orders, informal arrangements, or employer deductions appear in your paperwork, we fold those constraints into the same plan instead of treating them as footnotes.
Where consultations typically start
Session formats and fees are agreed individually; the cards below describe planning focus areas, not fixed packages.
Payment sequencing
Rank creditors by legal risk, interest accrual, and household impact, then build a calendar you can follow between sessions.
Recovery checkpoints
Quarterly-style milestones to revisit cash buffers, document new agreements, and adjust when income or medical costs shift.
Planning from Chatuchak, serving Bangkok households
Our office on Lat Phrao Road is the base for in-person working sessions when you prefer paper statements and whiteboard sketches. Remote consultations use the same document checklist; travel to the office is optional, not a requirement for engagement.
We write plans in English for clients who manage contracts and payslips in multiple languages, and we highlight Thailand-specific filing dates when they affect your repayment calendar.
Book an initial conversationWho this is for — and who should seek licensed debt mediation
Households with multiple unsecured balances, freelancers with irregular income, and co-borrowers who need a shared written plan before speaking with banks.
We are not a law firm and do not negotiate on your behalf with creditors. If you face imminent foreclosure, criminal fraud allegations, or insolvency proceedings, we will say so early and point you toward appropriate legal counsel rather than stretching our planning scope.
Read the full recovery pathQuestions before you reach out
- Do you guarantee lower interest rates?
- No. We help you understand options and prepare numbers; any rate change depends on the creditor, not on our consultation.
- Can you consolidate my debt into one loan?
- We can model consolidation scenarios when you bring current offers, but we do not originate loans or sell financial products.
- What should I bring to the first meeting?
- Recent statements, payslips or revenue records, and any demand letters. A rough monthly expense list is enough if statements are incomplete.