---
title: "Build the debtor's means picture from the file"
url: "https://ailawframework.com/practice/debt-recovery-and-civil-enforcement/build-the-debtor-s-means-and-asset-picture-before-choosing-an-enforcemen/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A46-X20260927-4-US"
practice_area: "Debt Recovery & Civil Enforcement"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Build the debtor's means picture from the file

> List each employer, account, and asset the file already states, with the document and page. Leave earnings figures blank for the § 1673 check. Do not choose an enforcement step.

Canonical page: https://ailawframework.com/practice/debt-recovery-and-civil-enforcement/build-the-debtor-s-means-and-asset-picture-before-choosing-an-enforcemen/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Debt Recovery & Civil Enforcement](https://ailawframework.com/practice/debt-recovery-and-civil-enforcement.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | List each employer, account, and asset the file already states, with the document and page. Leave earnings figures blank for the § 1673 check. Do not choose an enforcement step. |
| What the lawyer must review | Rule 69(a)(2) lets the judgment creditor take discovery in aid of the judgment from any person, including the judgment debtor, under these rules or under the procedure of the state where the court is located. You decide what discovery to seek. If the asset is earnings, § 1673(a) states the two federal ceilings, and § 1673(b) states the support-order percentages. The picture is not a finding that an asset can be taken. Formal Opinion 512 applies before financial records go into a tool. |
| Written for | United States |
| Applies to | [Build the debtor's means and asset picture before choosing an enforcement step](https://ailawframework.com/practice/debt-recovery-and-civil-enforcement/build-the-debtor-s-means-and-asset-picture-before-choosing-an-enforcemen.md) |

## Checking plan

- What the AI does: List each employer, account, and asset the file already states, with the document and page. Leave earnings figures blank for the § 1673 check. Do not choose an enforcement step.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- Do not calculate a wage deduction. Section 1675 was not opened.
- An asset that is not in the file is not added.

## Sources

- [Federal Rule of Civil Procedure 69](https://www.law.cornell.edu/rules/frcp/rule_69) (checked 2026-10-22)
- [15 U.S.C. § 1673 (restriction on garnishment)](https://www.law.cornell.edu/uscode/text/15/1673) (checked 2026-10-22)
- [ABA Formal Opinion 512, Generative Artificial Intelligence Tools (29 July 2024)](https://www.americanbar.org/content/dam/aba/administrative/professional_responsibility/ethics-opinions/aba-formal-opinion-512.pdf) (checked 2026-10-22)

## Forms and precedents for this task

| Form or precedent | Kind | AI level | Summary |
| --- | --- | --- | --- |
| [Summons to attend for oral examination (Magistrates' Court Form 67A)](https://ailawframework.com/precedents/debt-recovery-and-civil-enforcement/form-vic-mcv-67a-oral-examination.md) | Form | Yellow | Link to Magistrates' Court Form 67A, the summons for a judgment debtor to attend and answer questions about their financial circumstances. |
| [Debt collection conduct checklist (ACCC and ASIC guideline): contact, disputes and representations](https://ailawframework.com/precedents/debt-recovery-and-civil-enforcement/debt-collection-guideline-compliance-checklist.md) | Checklist | Yellow | File checklist applying the ACCC and ASIC debt collection guideline to individual debtors: contact hours and frequency, represented and vulnerable debtors, disputes, bankruptcy, statements about… |
| [Post-judgment examination outline (Rule 69)](https://ailawframework.com/precedents/debt-recovery-and-civil-enforcement/us-postjudgment-examination-outline.md) | Checklist | Yellow | Outline of topics for discovery in aid of a federal money judgment under Rule 69(a)(2). It is a question list for counsel, not a sworn statement for the debtor to sign. |
| [Application for an instalment order (Magistrates' Court Form 61A)](https://ailawframework.com/precedents/debt-recovery-and-civil-enforcement/form-vic-mcv-61a-instalment-order.md) | Form | Yellow | Link to Magistrates' Court Form 61A. A debtor or a creditor may apply. A debtor whose only income is Centrelink cannot be forced onto an instalment order. |

Signed-in accounts can read the full text of each one.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*