---
title: "Check the steps before enforcing a judgment under a credit guarantee"
url: "https://ailawframework.com/practice/debt-recovery-and-civil-enforcement/check-the-steps-before-enforcing-a-judgment-under-a-credit-guarantee"
type: "task"
site: "AI Law Framework"
id: "A46-TM20261022-7"
practice_area: "Debt Recovery & Civil Enforcement"
tier: "yellow"
lawyer_review: "required"
last_reviewed: "2026-10-22"
---

# Check the steps before enforcing a judgment under a credit guarantee

> From the file, record whether there is a judgment against the debtor for the guaranteed liability, the date of any written demand for that judgment debt, and whether 30 days have passed with the judgment still…

Canonical page: https://ailawframework.com/practice/debt-recovery-and-civil-enforcement/check-the-steps-before-enforcing-a-judgment-under-a-credit-guarantee  
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 | From the file, record whether there is a judgment against the debtor for the guaranteed liability, the date of any written demand for that judgment debt, and whether 30 days have passed with the judgment still unsatisfied. Record any of the other three gates the lawyer has marked: the court has relieved the credit provider from obtaining judgment because recovery from the debtor is unlikely; reasonable attempts to locate the debtor failed; or the debtor is insolvent. Do not say enforcement can begin. |
| What the lawyer must review | The lawyer decides whether section 90 is satisfied and whether enforcement of the judgment against the guarantor can begin. The lawyer also checks section 88 if the credit contract itself is being enforced. |
| Written for / versions | 1 jurisdiction versions below |

## Checking plan

**Source-by-source verification**

Trace relied-on content to independent sources and check for relevant material the output has missed.

- What the AI does: From the file, record whether there is a judgment against the debtor for the guaranteed liability, the date of any written demand for that judgment debt, and whether 30 days have passed with the judgment still unsatisfied. Record any of the other three gates the lawyer has marked: the court has relieved the credit provider from obtaining judgment because recovery from the debtor is unlikely; reasonable attempts to locate the debtor failed; or the debtor is insolvent. Do not say enforcement can begin.
- What the lawyer does: The lawyer decides whether section 90 is satisfied and whether enforcement of the judgment against the guarantor can begin. The lawyer also checks section 88 if the credit contract itself is being enforced.
- Who reviews: Responsible lawyer with competence in the matter
- Basis: Practical workflow informed by the linked primary sources; the traffic light and working checks are editorial guidance, not a court classification.
- Why: The level reflects what the work is, the consequence of an error, and how much of the output the lawyer must independently re-derive.

## Checks the lawyer makes

1. A judgment against the debtor is not enough. It must remain unsatisfied for 30 days after a written demand for the judgment debt, unless another gate is marked.
2. Do not treat this as a substitute for the default notice under section 88. Section 90 is about enforcing a judgment under the guarantee.
3. Subsection (1) is an offence of strict liability. Do not describe the step as optional.

## Notes

- These are suggested working checks. Confirm the required checking with the responsible lawyer before work starts; the checking approach does not establish permission to use AI.

## Sources

- [National Credit Code s 90, enforcing a judgment against a guarantor](https://classic.austlii.edu.au/au/legis/cth/consol_act/nccpa2009377/sch1.html) (checked 2026-10-22)

## Jurisdiction versions

| Jurisdiction | Level |
| --- | --- |
| [United States](https://ailawframework.com/practice/debt-recovery-and-civil-enforcement/check-the-steps-before-enforcing-a-judgment-under-a-credit-guarantee/united-states.md) | Yellow |

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