Thailand's household debt crisis is escalating into legal proceedings, with 1.1 million borrowers and 1.85 million loan accounts (580 billion baht) now in court processes. A concerning subset—410,000 borrowers with debts under 100,000 baht—represents 13% of that low-debt category already in enforcement. The legal pathway can extend up to 10 years, creating long-term consequences beyond repayment difficulties. This signals growing systemic stress on consumer credit quality and suggests lenders are increasingly pursuing aggressive collection strategies.