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I think the car night is over...Until the day the 'buttress land' is about to be sold at auction.

Think "car night" and everything's gonna be over, right?

Say it's the beginning of a nightmare if you handle it the wrong way...This is a real experience, an expensive lesson that comes with years of stress, escaping trouble, and almost exhausting the person who loves us the most.

The starting point was to return the car, but there was a "difference" to pay, so there was no money, so most people chose "quiet."

The result is?

30% salary warrant bounced to work!

I was shocked and decided to solve the problem with fear: "quit" and run away to find a new job.

I think I escaped...But the law is more than GPS.

Two years later, a warrant came home, and I went to court, but made "the biggest mistake in my life."

I was negotiated in front of the courtroom by the plaintiff.

"It's done. Go home and wait for a warrant."

I was convinced to sign "I haven't even come to the throne"! I finally accepted all the terms, negotiated installments.

But when I can't deliver, I'm missing...The real disaster began.

The court is not following me this time because I have no property.

But the warrant goes to "the land of the surety" prepared to be seized at auction!

And then, knowing that I couldn't escape anymore, I had to come back to the truth, and I walked into "Department of Defense" to negotiate a new deal with the agency as a middleman.

The fact that many people don't know is:

The plaintiff just wants his money back. He doesn't want his land.

If we dare to talk, we dare to negotiate, "It's a discount."

The solution to the game is:

At least 25% of the debt (after discount) must be placed to file a lawsuit.

Ask the suing side to issue a document "extending the sales period at auction" first (I will stretch it to 2 rounds).

Bite the teeth to raise money to clear the rest of the top to finish.

Once the debt is cleared, the litigator will issue a restraining document for us to redistribute.

But slow down...This world is nothing free!

The last lesson to be slapped in the face is that there is a "dispossession fee" of about 2-3% of the debt to be paid to the Department of Justice!

Finally, the teeth paid everything until the end, got the document to suspend the sale at auction to sleep in a very relieved hug.

This story teaches you...

The "silence" debt problem is the most expensive solution, and do not sign any documents in front of the courthouse if you have not talked to the judge!

Who's going through a dead end or thinking about escaping debt?

Turn back and fight. Hurt but finish. Better to hide and spread to the surety.

Who is going to return the car or be sued for the difference, read this post so you don't miss it like me...Who has had experience in car court? Let's share it as a science. 👇

# lemon 8 invites # Before having today # Salary # Dispossessed # Department of Defense# The law should know

5/15 Edited to

... Read moreจากประสบการณ์ตรงที่เล่าในบทความ การคืนรถไม่ใช่การแก้ปัญหาทางการเงินให้จบได้ทันที โดยเฉพาะหากยังมี "ยอดส่วนต่าง" ที่ต้องรับผิดชอบ หากปล่อยให้เงียบหรือหนีปัญหาจะทำให้สถานการณ์แย่ลงมาก จนถึงขั้นถูกอายัดเงินเดือนและหมายบังคับคดีโดยที่เราไม่รู้ตัว เมื่อผมเจอสถานการณ์ที่หมายบังคับคดีถูกส่งไปยังที่ดินของคนค้ำประกัน และเกือบถูกยึดขายทอดตลาด ถึงขั้นนั้นความเครียดและความกังวลสูงมาก แต่สิ่งที่ช่วยให้ผ่านมาได้คือการตัดสินใจเข้าพบเจ้าหน้าที่กรมบังคับคดีโดยตรง เพื่อขอเจรจาต่อรองเรื่องเวลาการขายทอดตลาด รวมถึงเลี่ยงไม่ให้ที่ดินที่คนค้ำโดนขายไปก่อน ข้อสำคัญที่ผมเรียนรู้คือ ฝ่ายผู้ฟ้องซึ่งมักเป็นบริษัทไฟแนนซ์ ไม่ได้อยากได้ทรัพย์สินอย่างที่ดินมากนัก แต่พวกเขาแค่อยากได้เงินคืน การเจรจาเพื่อขอส่วนลดหรือขยายเวลาชำระหนี้จึงเป็นทางเลือกที่ดี แต่ต้องมีเงินมัดจำประมาณ 25% ของยอดหนี้หลังหักส่วนลด เพื่อแสดงความจริงจังและขอเลื่อนการขายทอดตลาด นอกจากนี้ยังต้องระวังเรื่องค่าธรรมเนียมถอนการยึดทรัพย์ที่กรมบังคับคดียังคงเรียกเก็บประมาณ 2-3% ของยอดหนี้ ซึ่งหากไม่จ่ายจะไม่สามารถถอนยึดทรัพย์ได้ โดยผมเองต้องเตรียมใจและวางแผนการเงินอย่างรัดกุมเพื่อจ่ายค่าธรรมเนียมนี้ด้วย สำหรับผู้ที่เจอสถานการณ์คล้ายกัน อยากฝากเป็นคำแนะนำว่า อย่าปล่อยให้เงียบหรือหนีปัญหาเด็ดขาด เพราะจะยิ่งทำให้เสียหายมากกว่าเดิม และต้องระวังการเซ็นเอกสารใดๆ หน้าห้องศาลโดยไม่ได้พูดคุยกับผู้พิพากษาโดยตรง เพราะอาจทำให้คุณยอมรับเงื่อนไขที่จะตามมาทีหลังได้ สุดท้ายการเปิดใจหาหนทางเจรจา ร่วมมือกับฝ่ายกฎหมายและหน่วยงานที่เกี่ยวข้องจะช่วยลดความเสียหาย และช่วยให้ผ่านวิกฤตการณ์นี้ไปได้ ถือเป็นบทเรียนสำคัญที่ผมเองไม่เคยคิดว่าจะต้องเจอกับตัว แต่ถ้าเลี่ยงได้ควรหาข้อมูลและขอคำปรึกษาทางกฎหมายล่วงหน้าเพื่อป้องกันปัญหาที่อาจจะตามมาในอนาคต

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