Debt stack review
Single-session audit of balances, rates, and due dates with a ranked repayment order and emergency buffer target.
Node Protocol Financial Planning
Process-led debt repayment mapping and financial resilience reviews for households in Chiang Mai—built in individual consultations, not off-the-shelf software.
Resilience starts with a visible debt stack
Most households we meet carry more than one obligation—credit cards, informal loans, hire-purchase, or co-signed family debt. We document each balance, rate, and due date before suggesting any change.
That inventory becomes the backbone of a tailored financial-management plan: which accounts to stabilise first, how much cash to hold for shocks, and what trade-offs are realistic in THB terms.
How a consultation unfolds
- Intake call. You share goals, constraints, and any court or employer deadlines affecting repayment.
- Document pass. Statements, promissory notes, and salary flows are organised into a single timeline.
- Scenario board. We model minimum-pay paths versus accelerated routes, noting liquidity you still need.
- Written plan. You receive a management plan with checkpoints—not a generic template pulled from another industry.
Consultation tracks (proposed)
Commercial terms, session length, and fees are not fixed on this site; each track below describes scope awaiting business confirmation.
Resilience plan build
Multi-touch engagement to align income swings, insurance gaps, and debt milestones into one living document.
Check-in cadence
Scheduled reviews after life events—job change, medical bill, or new co-signed obligation—to adjust the plan without restarting from zero.
Common questions
Products? None sold here—only planning conversations. Guarantees? We describe process, not promised savings. Location? Chiang Mai office or remote, confirmed when you inquire.
Who this is for—and who it is not
We work with individuals and couples who want structured help organising debt—not litigation, not investment speculation, and not promises of guaranteed outcomes.
If you need licensed securities advice, insolvency proceedings, or court representation, we will say so early and point you toward appropriate professionals in Thailand.
Neutral evidence only: we do not publish client quotes or star ratings on this site.
