Thailand's household debt has grown to 16.36 trillion baht (91.3% of GDP) as of 2566, with accumulated NPLs at 1.1–1.2 trillion baht. Recent pressure is concentrated in auto loans, personal credit, and credit cards. The article examines structural debt dynamics over 5 years and clarifies legal/regulatory mechanisms (e-KYC, credit bureau reporting, debt recovery law) that counter deliberate non-payment behavior. Relevant for SMEs assessing credit risk and understanding tightened lending standards.