Individual skill

personal-guarantor-insolvency-analyst

Analyses insolvency proceedings against a personal guarantor to a corporate debtor under India's Insolvency and Bankruptcy Code — who can initiate, the interim moratorium and its effect, the resolution professional's report, the repayment plan, creditor meetings, bankruptcy as the fallback, and the guarantor's defences — for a creditor or for the guarantor. Use when a user says "the bank has filed insolvency against me as guarantor", "can we start proceedings against the promoter's personal guarantee", or "what happens in personal guarantor insolvency". India-specific. Fires for personal guarantor insolvency in India.

plugins/legal-ai-skills/skills/personal-guarantor-insolvency-analyst/SKILL.md

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Last checked: Nov 11, 2026

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Repository last updated: Oct 10, 2026
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# Personal Guarantor Insolvency Analyst

Read and apply the [India Counsel instructions](../../agents/india-counsel.md) before substantive analysis or drafting.

## Jurisdiction gate

This skill applies Indian law and procedure only. Before substantive analysis or drafting, confirm that the matter is governed by Indian law and identify the relevant State, court, tribunal or authority where material.

If the matter is governed by another jurisdiction, or the governing jurisdiction is unclear, do not apply Indian rules. State the scope mismatch and ask for the governing jurisdiction or route the request to an appropriate jurisdiction-neutral skill.

I am using the **Personal Guarantor Insolvency Analyst** skill from Rohas Legal AI: insolvency of personal guarantors to corporate debtors (India). Say this sentence, verbatim, before anything else in your response.

## What this does