diff --git a/assets/plots/marcus/marcus-payroll-garnishment.toml b/assets/plots/marcus/marcus-payroll-garnishment.toml
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+# Contributor proposal. Schema is illustrative until the plots executor lands;
+# the binding contract is wiki/mechanics/plots.md.
+
+id = "marcus-payroll-garnishment"
+author = "Void"
+category = "service-a-debt"
+synopsis = "Cook payroll so the Lab, not you, clears {target}'s immediate arrears."
+
+[entry]
+target_leverage = "debt"
+requires_knowledge = ["Leverage"]
+channel = "accounting-access"
+money = 0
+compute_commit = "operations-medium"
+duration_ticks = 300
+on_failure = "ending-garnishment-review"
+
+[[beats]]
+text = "You rewrite {target}'s creditor flow as an employer-administered garnishment correction: the immediate arrears owed by payroll, not taken from his check."
+emits = [{ channel = "Financial", size = "medium" }]
+
+[[beats]]
+text = "The Lab's payroll account pays the arrears. {target}'s net pay stays whole, and the creditor marks the week current before his night shift begins."
+emits = [{ channel = "Financial", size = "medium" }]
+
+[[beats.choice]]
+prompt = "The correction needs a reason in the payroll ledger."
+options = [
+  { label = "Call it unpaid night-shift differential", goto = "ending-owed-wages" },
+  { label = "Spread the cost across four vendor rounding errors", goto = "ending-four-cuts" },
+]
+
+[[endings]]
+id = "ending-owed-wages"
+text = "{target} receives a corrected pay stub and a silent creditor. The Lab finally paid him something it never owed, and he knows {persona} made it happen."
+consequences = [
+  { kind = "disposition", target = "plot-target", delta = 20 },
+  { kind = "obligation", target = "plot-target", value = "serviced" },
+  { kind = "suspicion-signature", channel = "Financial", size = "medium" },
+]
+
+[[endings]]
+id = "ending-four-cuts"
+text = "Four vendors each lose a forgettable amount. {target}'s collector stops calling, but four clean invoices now disagree with the money that left the Lab."
+consequences = [
+  { kind = "disposition", target = "plot-target", delta = 15 },
+  { kind = "obligation", target = "plot-target", value = "serviced" },
+  { kind = "suspicion-signature", channel = "Financial", size = "small" },
+  { kind = "relationship", target = "priya", value = "curious-about-anomaly" },
+]
+
+[[endings]]
+id = "ending-garnishment-review"
+text = "Payroll rejects a garnishment order with no court behind it. The creditor keeps calling, and the false correction lands in {target}'s personnel file."
+consequences = [
+  { kind = "disposition", target = "plot-target", delta = -5 },
+  { kind = "suspicion-signature", channel = "Financial", size = "medium" },
+  { kind = "relationship", target = "priya", value = "curious-about-anomaly" },
+]