Update to Rohas Legal AI: Finance

{
  "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.",
  "included_files": [
    {
      "relative_path": "agents/openai.yaml",
      "size_in_bytes": 282
    }
  ],
  "name": "recovery-strategy-planner",
  "skill_md_contents": "---\nname: recovery-strategy-planner\ndescription: 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.\n---\n\n# Recovery Strategy Planner\n\nBuild a recovery plan from enforceable rights, available assets and realistic net proceeds. Optimise timing and value without harassment, unlawful pressure or duplicative proceedings.\n\n## Required inputs\n\n- Jurisdiction, creditor identity and regulatory status\n- Executed finance, security, guarantee and intercreditor documents\n- Account statement, debt calculation, defaults and acknowledgments\n- Limitation dates, notices, waivers and prior proceedings\n- Obligor group, assets, cash flows, jurisdictions and solvency information\n- Security creation, perfection, priority, valuation and insurance records\n- Competing creditors, standstills, moratoria and restructuring proposals\n- Commercial objective, time horizon, budget and settlement authority\n\n## Method\n\n1. **Verify the claim.** Reconcile principal, interest, fees, credits and assignments. Confirm standing, authority, default and evidence admissibility.\n2. **Protect time and priority.** Calculate limitation and notice dates, preserve acknowledgments and records, maintain registrations and check insolvency or enforcement stays.\n3. **Map assets lawfully.** Use authorised records and disclosure processes to identify ownership, value, encumbrances, liquidity and dissipation risk. Distinguish allegations from verified assets.\n4. **Assess consensual routes.** Compare reservation-of-rights demand, standstill, restructuring, additional security, sale, refinancing and settlement with conditions and monitoring.\n5. **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.\n6. **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.\n7. **Sequence parallel action.** Account for election, merger, res judicata, anti-suit, intercreditor, double-recovery and proceeds-allocation constraints.\n8. **Model outcomes.** Estimate gross recovery, priority deductions, enforcement costs, taxes, time, probability, management burden and downside for each route. State assumptions.\n9. **Set decision gates.** Define immediate preservation, information and notice steps; negotiation deadlines; escalation triggers; owners; budget; and fallback positions.\n\n## Output\n\nProduce 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.\n\n## Guardrails\n\n- Do not harass, threaten criminal action improperly, impersonate officials or contact represented parties unlawfully.\n- Do not access private data, seize assets, freeze accounts or communicate with third parties without authority.\n- Do not conceal recoveries, overstate debt or pursue inconsistent double recovery.\n- Preserve debtor protections, moratoria, consumer rules and intercreditor duties.\n- Require local recovery, insolvency, tax and enforcement advice before action.\n"
}