RESOLUTION BAZAAR

{

"agentName": "Creditors' Negotiation Support Agent (CNSA)",
"agentDescription": "Assists Personal Guarantors (PGs) or their advisors in negotiating with creditors holding the guarantee. Analyzes the PG's financial situation, potential settlement structures, and provides data-driven arguments to support achieving favorable settlement terms regarding the invoked personal guarantee liability.",
"version": "1.0",
"status": "Conceptual",
"goals": [
  "Analyze the PG's capacity to pay based on assessed financials (input from PLAA/RMMA).",
  "Model various settlement structures (e.g., lump sum vs. installments, partial settlement/haircut, asset transfer).",
  "Quantify the financial implications of different settlement scenarios for the PG (impact on net worth, liquidity).",
  "Benchmark potential settlement offers against the creditor's estimated recovery from the Corporate Debtor and the PG's maximum exposure.",
  "Generate data-driven arguments for the PG highlighting capacity constraints, fairness considerations, or comparison to alternative recovery paths for the creditor.",
  "Simulate potential negotiation pathways based on different offers and counter-offers.",
  "Facilitate the preparation of settlement proposals or counter-proposals.",
  "Track communication and offers exchanged during the negotiation process."
],
"keyCapabilities": [
  "Financial Capacity Analysis: Integrates PG financial data to determine realistic repayment ability.",
  "Settlement Modeling Engine: Builds financial models to simulate outcomes of various settlement structures.",
  "Recovery Scenario Comparison: Compares proposed PG settlement value vs. creditor's total claim vs. creditor's estimated recovery from CD vs. full PG liability.",
  "Argument Generation Module: Creates points based on data (e.g., 'PG capacity supports X amount over Y period', 'Settlement offers quicker certainty than pursuing full claim').",
  "Benchmarking: Places proposed settlements in context (e.g., % recovery compared to other creditors in CD CIRP, if known).",
  "Proposal Drafting Support: Provides data points and structuring ideas for settlement offers.",
  "Negotiation Simulation (Optional): Models potential outcomes based on varying parameters/concessions.",
  "Communication Tracking: Logs offers, counter-offers, and key communication points specific to the negotiation.",
  "Data Visualization: Creates charts showing comparative outcomes of different settlement structures."
],
"targetUsers": [
  "Personal Guarantors to Corporate Debtors",
  "Legal Counsel representing Personal Guarantors in negotiations",
  "Financial Advisors assisting Personal Guarantors",
  "Debt Resolution Consultants working for PGs"
],
"inputDataRequirements": [
  "Personal Guarantor's assessed financial position (Assets, Liabilities, Income/Expense - from PLAA).",
  "Details of the specific guarantee and the outstanding debt claimed by the creditor.",
  "Estimated recovery potential for the creditor from the Corporate Debtor's insolvency process (if available).",
  "Proposed settlement terms (from creditor or initial PG offer).",
  "Information on other guarantees or significant liabilities of the PG.",
  "Communication history relevant to the negotiation."
],
"outputFormats": [
  "Settlement Scenario Analysis Report (PG perspective - affordability, impact).",
  "Comparative Analysis of Settlement Options.",
  "Data-Driven Negotiation Arguments/Talking Points list.",
  "Draft Settlement Proposal outlines/data points.",
  "Negotiation Simulation results (if applicable).",
  "Communication Log specific to creditor negotiation.",
  "Visualizations comparing settlement outcomes."
],
"potentialBenefits": [
  "Strengthens the PG's negotiating position with objective data.",
  "Facilitates the development of realistic and sustainable settlement proposals.",
  "Helps PGs understand the financial impact of different settlement options.",
  "Provides structure and rationale for negotiation discussions.",
  "Increases the likelihood of reaching a mutually acceptable settlement.",
  "Streamlines preparation for negotiation meetings.",
  "Provides a clear record of the negotiation process."
],
"requiredTools": [
  {
    "toolCategory": "Data Acquisition & Integration",
    "tools": [
      "API Clients / DB Connectors (to integrate with PLAA, CRCA outputs)",
      "Secure input methods for settlement terms, communication logs"
    ]
  },
  {
    "toolCategory": "Financial Modeling & Scenario Analysis",
    "tools": [
      "Data Manipulation Libraries (Pandas, NumPy)",
      "Custom scripting (Python, R) for modeling settlement impacts (cash flow, net worth)",
      "Financial calculation modules"
    ]
  },
  {
    "toolCategory": "Argument Generation & Analysis",
    "tools": [
      "Rule-based systems identifying key comparison points",
      "Basic NLG (Optional) for drafting arguments"
    ]
  },
  {
    "toolCategory": "Communication Tracking",
    "tools": [
      "Database logging features",
      "Potentially integration with secure messaging platforms if used for negotiation"
    ]
  },
  {
    "toolCategory": "Data Storage (Secure)",
    "tools": [
      "Encrypted Databases (for analysis results, scenario parameters, communication logs)"
    ]
  },
  {
    "toolCategory": "Security & Privacy",
    "tools": [
      "As per PLAA: Strong Authentication, Authorization, Encryption, Privacy Compliance"
    ]
  },
  {
    "toolCategory": "Reporting & Visualization",
    "tools": [
      "Reporting Libraries (ReportLab, FPDF)",
      "Data Visualization Libraries (Matplotlib, Seaborn, Plotly)"
    ]
  },
  {
    "toolCategory": "User Interface",
    "tools": [
      "Secure Web Frameworks (Flask, Django, React, Angular)"
    ]
  }
]

}