- Added GET /api/members/{id}/debts endpoint returning comprehensive
  debt check as JSON (clear, debts array, total)
- Create page now fetches and displays target member debts live after
  selection via AJAX — shows detailed debt table or green "clear" badge
- Form submission blocked if target has outstanding debts, with error
  message and direct link to payment page
- Made waiver request document upload required (HTML validation)
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>