skills/recovery-strategy-planner/SKILL.md

---
name: recovery-strategy-planner
description: Compares and sequences lawful recovery routes for a defaulted financial exposure, collateral and obligor group. Use for demand, negotiation, litigation, security enforcement, guarantees, insolvency, asset preservation or settlement strategy.
---

# Recovery Strategy Planner

Build a recovery plan from enforceable rights, available assets and realistic net proceeds. Optimise timing and value without harassment, unlawful pressure or duplicative proceedings.

## Required inputs

- Jurisdiction, creditor identity and regulatory status
- Executed finance, security, guarantee and intercreditor documents
- Account statement, debt calculation, defaults and acknowledgments
- Limitation dates, notices, waivers and prior proceedings
- Obligor group, assets, cash flows, jurisdictions and solvency information
- Security creation, perfection, priority, valuation and insurance records
- Competing creditors, standstills, moratoria and restructuring proposals
- Commercial objective, time horizon, budget and settlement authority

## Method

1. **Verify the claim.** Reconcile principal, interest, fees, credits and assignments. Confirm standing, authority, default and evidence admissibility.
2. **Protect time and priority.** Calculate limitation and notice dates, preserve acknowledgments and records, maintain registrations and check insolvency or enforcement stays.
3. **Map assets lawfully.** Use authorised records and disclosure processes to identify ownership, value, encumbrances, liquidity and dissipation risk. Distinguish allegations from verified assets.
4. **Assess consensual routes.** Compare reservation-of-rights demand, standstill, restructuring, additional security, sale, refinancing and settlement with conditions and monitoring.
5. **Assess enforcement routes.** Compare civil claim, summary or tribunal process, arbitration, guarantee demand, set-off, collateral enforcement, receivables action and recognition of foreign judgments or awards.
6. **Assess insolvency routes.** Test eligibility, thresholds, disputed-debt risk, moratorium effects, voting position, avoidance exposure and expected distribution. Do not use insolvency solely as improper pressure.
7. **Sequence parallel action.** Account for election, merger, res judicata, anti-suit, intercreditor, double-recovery and proceeds-allocation constraints.
8. **Model outcomes.** Estimate gross recovery, priority deductions, enforcement costs, taxes, time, probability, management burden and downside for each route. State assumptions.
9. **Set decision gates.** Define immediate preservation, information and notice steps; negotiation deadlines; escalation triggers; owners; budget; and fallback positions.

## Output

Produce a verified debt and evidence schedule, limitation calendar, asset and priority map, route-comparison matrix, net-recovery scenarios, sequenced action plan, settlement parameters and decision log.

## Guardrails

- Do not harass, threaten criminal action improperly, impersonate officials or contact represented parties unlawfully.
- Do not access private data, seize assets, freeze accounts or communicate with third parties without authority.
- Do not conceal recoveries, overstate debt or pursue inconsistent double recovery.
- Preserve debtor protections, moratoria, consumer rules and intercreditor duties.
- Require local recovery, insolvency, tax and enforcement advice before action.