Consumer debt debtor examination: debtor files notice of financial affidavit and serves affidavit no later than 15 days before the examination
15 days before date set for the judgment debtor examination (consumer debt judgment awarded on or after jan. 1, 2025), under Cal. Code Civ. Proc. 708.111(a), (c), (d).
Rule text
CCP 708.111(c) (required notice text): "Instead of appearing at the examination, you may file a notice of judgment debtor's financial affidavit in a form prescribed by the court and signed under penalty of perjury and serve copies of all filed documents and the financial affidavit on the judgment creditor no later than 15 days prior to the date set for the examination." CCP 708.111(d): "If copies of the financial affidavit are not timely served or the notice and proof of service are not timely filed with the court, the court shall not cancel the examination."
Calculate this deadline
- Trigger (Date set for the judgment debtor examination (consumer debt judgment awarded on or after Jan. 1, 2025)): Friday, November 6, 2026.
- Count back 15 calendar days: Thursday, October 22, 2026.
Cal. Code Civ. Proc. 708.111(a), (c), (d)
CCP 708.111(c) (required notice text): "Instead of appearing at the examination, you may file a notice of judgment debtor's financial affidavit in a form prescribed by the court and signed under penalty of perjury and serve copies of all filed documents and the financial affidavit on the judgment creditor no later than 15 days prior to the date set for the examination." CCP 708.111(d): "If copies of the financial affidavit are not timely served or the notice and proof of service are not timely filed with the court, the court shall not cancel the examination."Official source
Cal. Code Civ. Proc. 12, 12a, 12b, 10; Cal. Rules of Court, rule 1.10
CCP 12: "The time in which any act provided by law is to be done is computed by excluding the first day, and including the last, unless the last day is a holiday, and then it is also excluded." CCP 12a(a): "If the last day for the performance of any act provided or required by law to be performed within a specified period of time is a holiday, then that period is hereby extended to and including the next day that is not a holiday. For purposes of this section, “holiday” means all day on Saturdays, all holidays specified in Section 135 and, to the extent provided in Section 12b, all days that by terms of Section 12b are required to be considered as holidays." CCP 12b: "If any city, county, state, or public office, other than a branch office, is closed for the whole of any day, insofar as the business of that office is concerned, that day shall be considered as a holiday for the purposes of computing time under Sections 12 and 12a." CCP 10: "Holidays within the meaning of this code are every Sunday and any other days that are specified or provided for as judicial holidays in Section 135."Official source
- Applies only to consumer-debt judgments awarded on or after Jan. 1, 2025 (708.111(a); excludes tort/fraud debts, wage judgments, rental debt). If the affidavit states all income and assets are exempt and is timely filed and served, the court cancels the exam. Section added Stats. 2023, ch. 562 (AB 1119), eff. Jan. 1, 2024.
- If the clerk's office is closed or inaccessible on the last day (weather, emergency or local closure orders), the deadline may be extended. Check local orders.
This calculator applies the cited rules to the dates you enter. It is not legal advice. Court orders, local rules, and case-specific facts can change a deadline; verify before relying on it. Rule set pending attorney review.
Worked example
Date set for the judgment debtor examination (consumer debt judgment awarded on or after Jan. 1, 2025) on Monday, March 15, 2027, personal service: due Friday, February 26, 2027.
- Trigger (Date set for the judgment debtor examination (consumer debt judgment awarded on or after Jan. 1, 2025)): Monday, March 15, 2027.
- Count back 15 calendar days: Sunday, February 28, 2027.
- That day is a Sunday. Counting backward, this calculator uses the earlier court day so the full notice period is preserved: Friday, February 26, 2027 (see Cal. Code Civ. Proc. 12c).
Unsettled points
- The calculator subtracts CCP 684.120 mail days from papers due before attachment and debtor-exam hearings, so mailed papers go out earlier, the safe direction.Other reading: If these papers are not 'notice' under 684.120(b), the unextended dates are enough.
Notes
Applies only to consumer-debt judgments awarded on or after Jan. 1, 2025 (708.111(a); excludes tort/fraud debts, wage judgments, rental debt). If the affidavit states all income and assets are exempt and is timely filed and served, the court cancels the exam. Section added Stats. 2023, ch. 562 (AB 1119), eff. Jan. 1, 2024.
Related deadlines
- Claim of exemption after levy (notice of levy personally served): 15 days after service (15 days after)
- Claim of exemption after levy (notice of levy served by mail): 20 days after service (20 days after)
- Judgment creditor's notice of opposition to claim of exemption and notice of motion: 15 days after service of notice of claim of exemption (15 days after)
- Hearing on claim of exemption: not later than 30 days after notice of motion filed (30 days after)
- Judgment creditor serves notice of hearing and opposition on exemption claimant: not less than 10 days before hearing (10 days before)
- Wage garnishment: judgment creditor's notice of opposition to claim of exemption: 10 days after levying officer mailed notice of claim (10 days after)
- Wage garnishment: judgment creditor's notice of motion for hearing on claim of exemption: 10 days after levying officer mailed notice of claim (10 days after)
- Wage garnishment: hearing on claim of exemption not later than 30 days after notice of motion filed (30 days after)
Local rules by county
County local rules and courtroom procedures can add to or change this deadline. Pick a county to calculate with them applied.
- Alameda
- Alpine
- Amador
- Butte
- Calaveras
- Colusa
- Contra Costa
- Del Norte
- El Dorado
- Fresno
- Glenn
- Humboldt
- Imperial
- Inyo
- Kern
- Kings
- Lake
- Lassen
- Los Angeles
- Madera
- Marin
- Mariposa
- Mendocino
- Merced
- Modoc
- Mono
- Monterey
- Napa
- Nevada
- Orange
- Placer
- Plumas
- Riverside
- Sacramento
- San Benito
- San Bernardino
- San Diego
- San Francisco
- San Joaquin
- San Luis Obispo
- San Mateo
- Santa Barbara
- Santa Clara
- Santa Cruz
- Shasta
- Sierra
- Siskiyou
- Solano
- Sonoma
- Stanislaus
- Sutter
- Tehama
- Trinity
- Tulare
- Tuolumne
- Ventura
- Yolo
- Yuba
Rules current as of 2026-10-25. Confirm against the official source and any local rule or court order before relying on a date. Rules changelog.