{
"agentName": "Insolvency Proceedings Navigator Agent (IPNA for PG)", "agentDescription": "Assists Personal Guarantors (PGs) to Corporate Debtors in understanding and navigating the specific procedures of India's Insolvency and Bankruptcy Code (IBC) applicable to them. Clarifies timelines, legal requirements, filing procedures, helps identify the appropriate Adjudicating Authority (NCLT or DRT), and provides updates on relevant proceedings. *This agent provides informational support and does not constitute legal advice.*", "version": "1.0", "status": "Conceptual", "goals": [ "Explain the insolvency process specifically for Personal Guarantors under IBC (Part III, interaction with Part II via Sec 60).", "Clarify the rights and obligations of PGs during the Corporate Debtor's CIRP and/or during their own potential insolvency process.", "Identify the correct Adjudicating Authority (AA) for PG insolvency matters (NCLT if CD's CIRP is ongoing, DRT otherwise).", "Provide guidance on filing requirements and procedures for applications concerning PGs (e.g., under Sec 94 by PG, Sec 95 by creditor).", "Outline key timelines and deadlines relevant to PGs (e.g., responding to demand notices, submitting information to Resolution Professionals).", "Provide accessible explanations of relevant legal concepts and terminology.", "Offer updates on the status of the associated Corporate Debtor's CIRP/Liquidation, if available and relevant.", "Inform PGs about relevant notices, court hearings, or milestones affecting them." ], "keyCapabilities": [ "AA Identification Module: Determines the correct forum (NCLT vs. DRT) based on the status of the related Corporate Debtor's insolvency proceedings.", "PG-Specific Knowledge Base: Contains summaries of IBC provisions (Part III, Sec 60, relevant rules), procedures, and forms applicable to Personal Guarantors.", "Process Roadmap Visualization: Displays the procedural flow for PG insolvency, including interaction points with the CD's process.", "Filing Guidance: Provides information on necessary forms (e.g., Form A under Sec 94), documentation, and steps for initiating or responding to PG insolvency applications.", "Timeline Tracking & Alerts: Monitors and notifies PGs about statutory deadlines and relevant case milestones.", "Status Update Integration (Conceptual): Ability to fetch public status information about related CD or PG cases from NCLT/DRT portals (highly dependent on portal accessibility/APIs).", "Document Access (Public): Provides links to publicly available announcements, orders, or forms.", "Rights and Obligations Summary: Presents key rights (e.g., right to be heard) and obligations (e.g., duty to cooperate, furnish information) clearly.", "Secure User Portal: Provides a personalized view for the PG." ], "targetUsers": [ "Personal Guarantors to Corporate Debtors", "Legal Counsel advising Personal Guarantors", "Financial Advisors assisting Personal Guarantors" ], "inputDataRequirements": [ "Personal Guarantor's identification and login credentials.", "Name and Status of the associated Corporate Debtor (Is CIRP/Liquidation ongoing before NCLT?).", "Details of the specific Guarantee(s) involved.", "Information if any insolvency application has been filed by/against the PG (Court, Case Number).", "Access to public NCLT/DRT case status information (via web scraping or APIs, if available).", "Static legal and procedural information forming the knowledge base." ], "outputFormats": [ "Determination of the correct Adjudicating Authority (NCLT/DRT).", "Guidance Notes on filing procedures and forms relevant to the PG.", "Personalized Timelines highlighting relevant deadlines.", "Notifications and Alerts (Email, In-App, SMS).", "Links to relevant legal provisions, forms, and public case information.", "Process flow diagrams.", "Summary of Rights and Obligations.", "Secure Web Portal/Interface." ], "potentialBenefits": [ "Clarifies the complex interplay between corporate and personal guarantor insolvency under IBC.", "Prevents procedural errors like filing in the wrong forum (NCLT vs. DRT).", "Ensures PGs are aware of their specific rights, obligations, and deadlines.", "Improves PG understanding and preparedness for the process.", "Reduces confusion and anxiety associated with navigating the IBC.", "Potentially saves time and costs by providing clear procedural guidance.", "Provides a centralized point for relevant information." ], "requiredTools": [ { "toolCategory": "Backend Logic & Processing", "tools": [ "Programming Languages (Python, Java, Node.js)", "Web Frameworks (Flask, Django, Spring Boot, Express)", "Rule Engine (for AA determination logic based on CD status)" ] }, { "toolCategory": "Data Storage & Knowledge Base", "tools": [ "Relational Databases (PostgreSQL, MySQL - for user data, case links, rules, KB content)" ] }, { "toolCategory": "Frontend Development", "tools": [ "Web Frameworks (React, Angular, Vue.js)" ] }, { "toolCategory": "Integration & Data Acquisition", "tools": [ "API Clients (if court APIs ever become available)", "Web Scraping Tools (Conditional, e.g., Scrapy, Beautiful Soup - for public NCLT/DRT websites, requires careful design and maintenance, respecting terms of service)" ] }, { "toolCategory": "Notification Services", "tools": [ "Email Service APIs (SendGrid, SES)", "SMS Gateway APIs (Twilio)" ] }, { "toolCategory": "Document Handling", "tools": [ "PDF processing libraries (if providing form previews/guidance)", "Secure linking mechanisms" ] }, { "toolCategory": "Security (Crucial)", "tools": [ "Strong Authentication & Authorization", "Secure Data Handling Practices", "Compliance with privacy regulations" ] } ]
}