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    <title>INITIATION OF INSOLVENCY RESOLUTION PROCESS AGAINST A CO-BORROWER UNDER SECTION 95(1) OF IBC CODE</title>
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    <description>The adjudicating authority examined loan and ancillary documents and concluded the respondent was not a personal guarantor but a co-borrower; accordingly, initiation of the individual insolvency resolution process against her was not maintainable and the application under the creditor-initiated personal insolvency provision was dismissed, with the authority noting concurrent arbitration and criminal actions by the creditor as potential forum shopping.</description>
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      <description>The adjudicating authority examined loan and ancillary documents and concluded the respondent was not a personal guarantor but a co-borrower; accordingly, initiation of the individual insolvency resolution process against her was not maintainable and the application under the creditor-initiated personal insolvency provision was dismissed, with the authority noting concurrent arbitration and criminal actions by the creditor as potential forum shopping.</description>
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