Sapientia’s insolvency team helps debtors and creditors negotiate out-of-court workouts of debts and forbearance agreements that allow business survive while paying creditors more than they would receive in a liquidation.  One form of workout is a forbearance agreement that allows a commercial debtor to continue to operate with enhanced controls.  If the debtor is able to overcome a short-term cash flow problem, the creditor is paid more than it would in a liquidation.