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What is a Citation to Discover Assets to Debtor? A Citation to Discover Assets to Debtor is a court document requiring the debtor to come to court and answer questions about their property and income.If the creditor serves your bank with a Citation to Discover Assets, then the bank must freeze all of your accounts unless the funds are exempt. This document requires the debtor to come to court and answer questions about their property, income, and other things of value they may own. If you received a Citation to Discover Assets to Debtor, you must come to court on the date and time shown. A citation to discover assets is a legal proceeding in which a creditor attempts to collect on a debt from a debtor. A citation to discover assets allows the creditor to compel a debtor to give complete disclosure of the debtor's financial situation. A Citation to Discover Assets to Debtor's Employer is commonly known as a wage deduction or garnishment. After obtaining a judgment, a creditor may obtain a citation to discover assets from the circuit court clerk and serve it on the debtor. After obtaining a judgment, a creditor may obtain a citation to discover assets from the circuit court clerk and serve it on the debtor.