Insolvency resolution process initiation: creditor may apply to the adjudicating authority with prescribed documents and proof of default. A creditor may initiate the insolvency resolution process by applying to the Adjudicating Authority individually, jointly, or through a resolution professional, including in relation to partnership debts against partners or the firm; multiple applications against different partners may be consolidated by the Adjudicating Authority. The application must include details of debts as on the application date, evidence of failure to pay after service of a notice of demand, and relevant proof of default, and a copy of the application must be provided to the debtor, in the prescribed form, manner and with prescribed fee.