Let's look at the OP's question - what do I do with a Debtor's Exam?
The purpose of a Debtor's Exam is to allow a Judgment Creditor to find assets or income that can be used to satisfy a Judgment. The decision of whether to comply with the Exam or not is usually pretty cut and dried - failure to respond can be punished as Contempt of Court since the Debtor's Exam is a Compulsory process.
The key to the Debtor's Exam is time - what is true on Tuesday when you answer the Exam questions can be totally obsolete on Wednesday. Let's give an example:
One of the questions will be "Where do you maintain a bank account", or something similar. The obvious intent is to locate a bank account for purposes of levy. On Tuesday you honestly answer "XYZ Bank, 123 Main Street, Anytown, AZ".
On Wednesday you close that account and move your funds to ABC Bank in Faraway City, Other State. At the time you answered the question, it was an accurate and honest answer, but there is no law requiring you to let your funds just sit there like a sitting duck waiting to be grabbed.
Here are a couple of links to help you learn a bit more about becoming Judgment proof:http://www.debtorboards.com/smf/index.php?topic=12.0http://www.debtorboards.com/smf/index.php?topic=14.0