We Follow Best Practices
This Consultative Approach ensures resource allocation towards high – probability recovery actions.
COMPREHENSIVE DEBT ASSESSMENT
In today’s challenging economic landscape, businesses and individuals often face mounting debts that can threaten financial stability. At [Law Firm Name], we understand that effective debt resolution begins with a thorough understanding of your financial obligations. A Comprehensive Debt Assessment is the foundation of any successful recovery strategy, providing clarity and direction in complex debt situations.
What is Comprehensive Debt Assessment?
A Comprehensive Debt Assessment involves a detailed review of all your debts, liabilities, assets, income sources, and financial obligations. This process goes beyond surface-level analysis to uncover:
- Types and Quantum of Debt: Secured vs. unsecured debts, operational creditors, financial creditors, contingent liabilities, and disputed claims.
- Priority and Ranking: Determining which debts take precedence under applicable laws, such as the Insolvency and Bankruptcy Code, 2016 (IBC).
- Interest Accruals and Penalties: Identifying compounding costs that may be inflating the debt burden.
- Underlying Causes: Cash flow issues, market downturns, operational inefficiencies, or external factors contributing to financial distress.
CREDITOR NEGOTIATION STRATEGY
Our experienced insolvency professionals and legal experts conduct this assessment using forensic financial analysis, document review, and stakeholder consultations.
Why is it Essential?
Without a clear picture of your debt profile, any resolution attempt risks being ineffective or counterproductive. A comprehensive assessment helps:
- Identify viable resolution options early (negotiation, restructuring, or formal insolvency).
- Prevent escalation to costly litigation or forced liquidation.
- Maximize asset value and recovery for all stakeholders.
- Ensure compliance with legal timelines under the IBC and other regulations.
How RDLF Can Help ?
At RDLF, we offer end-to-end debt assessment services tailored to corporates, MSMEs, and individuals. Our team combines legal expertise with financial acumen to deliver actionable insights and a roadmap for recovery.
If any individual(s) are facing financial distress, contact us today for a confidential Comprehensive Debt Assessment. Early intervention can make all the difference.
Creditor Negotiation Strategy: Achieving Amicable Debt Resolution
Negotiating with creditors can be one of the most effective ways to resolve financial distress without resorting to formal insolvency proceedings. At [Law Firm Name], we specialize in crafting and executing **Creditor Negotiation Strategies** that protect your interests while fostering sustainable agreements.
Understanding Creditor Negotiation
Creditor negotiation involves structured discussions with lenders, suppliers, and other creditors to restructure debts, extend timelines, reduce interest rates, or agree on partial settlements. Under the Insolvency and Bankruptcy Code, 2016, such negotiations can occur both pre- and post-admission of insolvency applications.
Key elements of a successful strategy include:
- Creditor Mapping: Classifying creditors by claim size, security status, and influence.
- Communication Framework: Transparent, timely, and documented interactions to build trust.
- Proposal Structuring: Offering realistic repayment plans backed by financial projections.
- Leverage Identification: Using legal provisions, asset positions, or operational continuity as bargaining tools.
Benefits of Effective Negotiation
A well-executed negotiation strategy can:
- Avoid the stigma and operational disruptions of formal insolvency.
- Preserve business relationships and ongoing operations.
- Achieve significant haircuts or moratoriums on repayments.
- Provide breathing space for turnaround efforts.
Our Approach at RDLF
Our insolvency lawyers and negotiation experts bring decades of experience in high-stakes creditor discussions. We prepare robust financial models, draft persuasive proposals, and represent you in committee of creditors (CoC) meetings when required. Our track record includes successful out-of-court settlements that have saved businesses from liquidation.
Facing creditor pressure? Reach out to RDLF for a customized Creditor Negotiation Strategy that delivers results.
CUSTOMIZED SETTLEMENT PLANS:
Tailored Solutions for Sustainable Recovery
One-size-fits-all approaches rarely work in debt resolution. At RDLF , we believe in Customized Settlement Plans that align with your unique financial position, business goals, and stakeholder interests.
What Are Customized Settlement Plans?
A Customized Settlement Plan is a bespoke agreement between the debtor and creditors that outlines repayment terms, debt reductions, asset sales, or equity conversions. These plans can be implemented through:
Out-of-court restructuring.
- Resolution plans under the IBC Corporate Insolvency Resolution Process (CIRP).
- Pre-packaged insolvency arrangements (especially for MSMEs).
- One-time settlements (OTS) with banks and financial institutions.
Each plan is designed after thorough debt assessment and creditor consultation, ensuring feasibility and legal compliance.
Key Features of Our Settlement Plans
- Realistic Cash Flow Projections: Based on conservative assumptions and stress testing.
- Balanced Stakeholder Interests: Fair distribution between secured, unsecured, and operational creditors.
- Flexibility Mechanisms: Moratoriums, phased payments, and contingency clauses.
- Regulatory Compliance: Full adherence to IBC timelines, NCLT approvals, and RBI guidelines.
Advantages of Customization
Customized plans increase approval rates in CoC voting (requiring 66% approval under IBC) and improve long-term viability. They minimize value destruction and maximize recoveries compared to generic templates.
How RDLF Assists
Our team of insolvency professionals, chartered accountants, and lawyers collaborates to design, negotiate, and implement settlement plans that work. We have successfully guided numerous clients through complex restructurings, achieving sustainable turnarounds.
PRE-INSOLVENCY RESOLUTION
Pre-Insolvency Resolution: Proactive Steps to Avoid Formal Proceedings
Financial distress does not always have to lead to insolvency filings. Pre-Insolvency Resolution offers a proactive, less adversarial path to recovery, preserving value and relationships. At RDLF we help clients navigate this critical window effectively.
What is Pre-Insolvency Resolution?
Pre-Insolvency Resolution refers to out-of-court workouts and restructuring efforts undertaken before triggering formal proceedings under the Insolvency and Bankruptcy Code, 2016. It includes:
- Voluntary debt restructuring with creditor consent.
- Pre-packaged insolvency resolution processes (available for MSMEs under IBC).
- Informal arrangements such as standstill agreements, debt-for-equity swaps, or asset monetization.
- Early warning systems and turnaround planning.
The goal is to resolve defaults without admitting insolvency, avoiding public disclosure and operational restrictions.
Why Choose Pre-Insolvency Resolution?
- Speed and Confidentiality: Faster resolution with minimal public scrutiny.
- Cost Efficiency: Significantly lower professional fees compared to full CIRP.
- Control Retention: Promoters retain greater influence over outcomes.
- Higher Recovery Rates: Less value erosion than prolonged litigation or liquidation.
Our Expertise at RDLF
We guide clients through every stage of pre-insolvency resolution—from initial distress signals to final agreement execution. Our services include creditor coordination, financial modeling, legal documentation, and regulatory liaison. We have helped numerous businesses emerge stronger without entering formal insolvency.
If early signs of distress are appearing, act now. Contact RDLF for discreet Pre-Insolvency Resolution support.