diff --git a/package.json b/package.json
index 6a77614..51db05a 100644
--- a/package.json
+++ b/package.json
@@ -25,8 +25,8 @@
     "seed:demo-requests": "ts-node -r tsconfig-paths/register src/scripts/seed-demo-requests.ts",
     "seed:demo-dealers": "ts-node -r tsconfig-paths/register src/scripts/seed-demo-dealers.ts",
     "cleanup:dealer-claims": "ts-node -r tsconfig-paths/register src/scripts/cleanup-dealer-claims.ts",
-    "clear:form16-and-demo": "ts-node -r tsconfig-paths/register src/scripts/clear-form16-and-demo-data.ts",
-    "clear:26as": "ts-node -r tsconfig-paths/register src/scripts/clear-26as-data.ts",
+    // "clear:form16-and-demo": "ts-node -r tsconfig-paths/register src/scripts/clear-form16-and-demo-data.ts",
+    // "clear:26as": "ts-node -r tsconfig-paths/register src/scripts/clear-26as-data.ts",
     "redis:start": "docker run -d --name redis-workflow -p 6379:6379 redis:7-alpine",
     "redis:stop": "docker rm -f redis-workflow",
     "test": "jest --passWithNoTests --forceExit",
diff --git a/src/services/wfmFile.service.ts b/src/services/wfmFile.service.ts
index 8d9fd37..03f45fb 100644
--- a/src/services/wfmFile.service.ts
+++ b/src/services/wfmFile.service.ts
@@ -7,12 +7,15 @@ const DEFAULT_CLAIMS_INCOMING = path.join('WFM-QRE', 'INCOMING', 'WFM_MAIN', 'DL
 const DEFAULT_CLAIMS_OUTGOING = path.join('WFM-QRE', 'OUTGOING', 'WFM_SAP_MAIN', 'DLR_INC_CLAIMS');
 const DEFAULT_FORM16_CREDIT_INCOMING = path.join('WFM-QRE', 'INCOMING', 'WFM_MAIN', 'FORM16_CRDT');
 const DEFAULT_FORM16_DEBIT_INCOMING = path.join('WFM-QRE', 'INCOMING', 'WFM_MAIN', 'FORM16_DEBT');
-const DEFAULT_FORM16_OUTGOING = path.join('WFM-QRE', 'OUTGOING', 'WFM_SAP_MAIN', 'FORM16_CRDT');
+const DEFAULT_FORM16_CREDIT_OUTGOING = path.join('WFM-QRE', 'OUTGOING', 'WFM_SAP_MAIN', 'FORM16_CRDT');
+const DEFAULT_FORM16_DEBIT_OUTGOING = path.join('WFM-QRE', 'OUTGOING', 'WFM_SAP_MAIN', 'FORM16_DBT');
 
 /**
  * WFM File Service
  * Handles generation and storage of CSV files in the WFM folder structure.
- * Dealer claims use DLR_INC_CLAIMS; Form 16 uses FORM16_CRDT (credit) and FORM16_DEBT (debit) under INCOMING/WFM_MAIN.
+ * Dealer claims use DLR_INC_CLAIMS; Form 16 uses:
+ * - FORM16_CRDT (credit) and FORM16_DEBT (debit) under INCOMING/WFM_MAIN
+ * - FORM16_CRDT (credit) and FORM16_DBT (debit) under OUTGOING/WFM_SAP_MAIN
  * Paths are cross-platform; set WFM_BASE_PATH (and optional path overrides) in .env for production.
  */
 export class WFMFileService {
@@ -25,8 +28,10 @@ export class WFMFileService {
     private form16IncomingCreditPath: string;
     /** Form 16 debit notes: INCOMING/WFM_MAIN/FORM16_DEBT */
     private form16IncomingDebitPath: string;
-    /** Form 16: OUTGOING/WFM_SAP_MAIN/FORM16_CRDT (SAP responses) */
-    private form16OutgoingPath: string;
+    /** Form 16 credit responses: OUTGOING/WFM_SAP_MAIN/FORM16_CRDT */
+    private form16OutgoingCreditPath: string;
+    /** Form 16 debit responses: OUTGOING/WFM_SAP_MAIN/FORM16_DBT */
+    private form16OutgoingDebitPath: string;
 
     constructor() {
         this.basePath = process.env.WFM_BASE_PATH || 'C:\\WFM';
@@ -42,7 +47,12 @@ export class WFMFileService {
         this.form16IncomingDebitPath =
             process.env.WFM_FORM16_DEBIT_INCOMING_PATH || legacyForm16Incoming || DEFAULT_FORM16_DEBIT_INCOMING;
 
-        this.form16OutgoingPath = process.env.WFM_FORM16_OUTGOING_PATH || DEFAULT_FORM16_OUTGOING;
+        // Outgoing: allow specific credit/debit overrides; fall back to legacy single path for credit
+        const legacyForm16Outgoing = process.env.WFM_FORM16_OUTGOING_PATH;
+        this.form16OutgoingCreditPath =
+            process.env.WFM_FORM16_CREDIT_OUTGOING_PATH || legacyForm16Outgoing || DEFAULT_FORM16_CREDIT_OUTGOING;
+        this.form16OutgoingDebitPath =
+            process.env.WFM_FORM16_DEBIT_OUTGOING_PATH || DEFAULT_FORM16_DEBIT_OUTGOING;
     }
 
     /**
@@ -197,10 +207,51 @@ export class WFMFileService {
     }
 
     /**
-     * Get the absolute path for a Form 16 outgoing (response) file
+     * Get the absolute path for a Form 16 outgoing (response) file.
+     * - Credit: WFM/WFM-QRE/OUTGOING/WFM_SAP_MAIN/FORM16_CRDT
+     * - Debit:  WFM/WFM-QRE/OUTGOING/WFM_SAP_MAIN/FORM16_DBT
      */
-    getForm16OutgoingPath(fileName: string): string {
-        return path.join(this.basePath, this.form16OutgoingPath, fileName);
+    getForm16OutgoingPath(fileName: string, type: 'credit' | 'debit' = 'credit'): string {
+        const targetPath = type === 'debit' ? this.form16OutgoingDebitPath : this.form16OutgoingCreditPath;
+        return path.join(this.basePath, targetPath, fileName);
+    }
+
+    /**
+     * Read a Form 16 outgoing (SAP) response CSV and return rows as objects keyed by header:
+     * Expected columns (both credit and debit):
+     * - DMS_UNIQ_NO
+     * - CLAIM_NUMBER
+     * - DOC_NO
+     * - MSG_TYP
+     * - MESSAGE
+     */
+    async readForm16OutgoingResponse(fileName: string, type: 'credit' | 'debit' = 'credit'): Promise<any[]> {
+        const filePath = this.getForm16OutgoingPath(fileName, type);
+
+        try {
+            if (!fs.existsSync(filePath)) {
+                return [];
+            }
+
+            const fileContent = fs.readFileSync(filePath, 'utf-8');
+            const lines = fileContent.split('\n').filter(line => line.trim() !== '');
+            if (lines.length <= 1) return []; // Only headers or empty
+
+            const headers = lines[0].split('|');
+            const data = lines.slice(1).map(line => {
+                const values = line.split('|');
+                const row: any = {};
+                headers.forEach((header, index) => {
+                    row[header.trim()] = values[index]?.trim() || '';
+                });
+                return row;
+            });
+
+            return data;
+        } catch (error) {
+            logger.error(`[WFMFileService] Error reading Form 16 response CSV (${type}): ${fileName}`, error);
+            return [];
+        }
     }
 }