{ "model": { "rank": 2488, "code": "thing-q3196867", "model_id": "vr.tr.debt", "name": "debt", "purpose": "Let an agent explain debt factually by type, terms, rights and routes to free debt advice, without personal financial or legal advice.", "family": "Thing Registry", "category": "Cross-cutting context", "status": "research-draft", "kind": "thing", "plane": "XCT", "domain": "XCT.STA", "industry": "", "version": "", "url": "/models/thing/q3196867/", "tier": 2, "score": 104, "payload": { "layer": "wikidata", "aliases": [ "liabilities plus owner's equity", "current liability", "long-term liabilities", "bad debt", "distressed securities", "debt to landlord", "debt capacity", "government debt", "Household debt", "debt of honor", "tax debt", "consumer debt", "remaining debt", "external debt", "unsecured debt", "active debt", "climate debt", "private debt", "medical debt", "nonrecourse debt", "Philippine Government Securities", "recourse debt", "student debt", "financial debt" ], "aliasCount": 24, "merged": 24, "knownIn": 104, "facets": null, "markers": [], "lexicalClass": "", "senseRank": null, "alsoRegisteredAs": "vr.tr.debt-possession", "source": { "dataset": "wikidata", "item": "Q3196867", "url": "https://www.wikidata.org/wiki/Q3196867", "license": "CC0 1.0" } }, "research": { "vercy": "1.0-draft", "publication": { "status": "research-draft", "adjudicationStatus": "unreviewed", "publishableCanonical": false, "generatedAt": "2026-09-11T07:52:46Z", "providers": [ "Claude" ], "breadth": "written by Claude from model knowledge without web access - no source was read, every claim is a lead to verify", "pass": 2, "wave": 1, "engine": "claude" }, "metaModel": { "id": "THING-Q3196867", "registryId": "vr.tr.debt", "name": "debt", "version": "0.2.0-wave.1", "entryKind": "thing", "family": "Thing Registry", "domain": [ "XCT.STA" ], "status": "research-draft" }, "canonicalUrl": "https://ver.cy/models/thing/q3196867/", "model": { "registry_id": "vr.tr.debt", "name": "debt", "purpose": "Let an agent explain debt factually by type, terms, rights and routes to free debt advice, without personal financial or legal advice.", "definition": "An obligation to pay money or deliver value owed by one party (the debtor) to another (the creditor), such as loans, bills, rent arrears and liabilities on a balance sheet.", "what_it_is_for": "Enabling borrowing and deferred payment; a liability to manage.", "affordances": [ "understand debt types and terms", "check rights when in arrears", "find free debt advice", "record liabilities in accounts" ], "distinguishing_features": [ "Obligation to pay", "Secured or unsecured", "Governed by contract and consumer law", "Can cause severe stress" ], "appearance": "Agreements, statements, bills and balance sheet lines.", "visual_identification": [ "Principal, interest and repayment schedule", "Current and long-term liabilities in accounts", "Bad debt and arrears" ], "physical_properties": [], "families_and_kinds": [ "consumer debt", "mortgages and secured debt", "business debt and liabilities", "public debt", "arrears and bad debt" ], "related_models": [ { "relation": "is a kind of", "target": "obligation", "why": "category" }, { "relation": "is created by", "target": "credit", "why": "lending" }, { "relation": "is recorded as", "target": "liability", "why": "accounting" }, { "relation": "is related to", "target": "bond", "why": "debt security" } ], "identifiers": [], "standards_and_regulation": [ "Consumer credit law", "Debt collection rules", "Insolvency law", "Accounting standards for liabilities" ], "failure_modes_and_hazards": [ "Unaffordable repayments", "Aggressive collection practices", "Mental health strain", "Agents giving personal financial advice" ], "in_scope": [], "out_of_scope": [], "characteristics": [] }, "sources": [], "structure": { "bundles": [ { "id": "type", "name": "Type", "description": "Which debt.", "rationale": "Type decides rights.", "layers": [ { "id": "kind", "name": "Kind", "description": "Consumer, secured, public.", "findings": [ { "id": "kind-finding", "name": "Kind", "description": "Debt type.", "questions": [ { "text": "What kind of debt is it?", "kind": "definition" }, { "text": "Is it secured?", "kind": "definition" } ] } ] }, { "id": "terms", "name": "Terms", "description": "Interest and schedule.", "findings": [ { "id": "terms-finding", "name": "Terms", "description": "Terms.", "questions": [ { "text": "What are the interest rate and repayment terms?", "kind": "measurement" }, { "text": "What happens if payments are missed?", "kind": "boundary" } ] } ] } ] }, { "id": "rights", "name": "Rights", "description": "Protection.", "rationale": "Debtors have rights.", "layers": [ { "id": "collection", "name": "Collection", "description": "Rules.", "findings": [ { "id": "collection-finding", "name": "Collection", "description": "Collection rules.", "questions": [ { "text": "What may creditors and collectors lawfully do?", "kind": "provenance" }, { "text": "How can unfair practices be reported?", "kind": "action" } ] } ] }, { "id": "insolvency", "name": "Insolvency", "description": "Options.", "findings": [ { "id": "insolvency-finding", "name": "Insolvency", "description": "Insolvency options.", "questions": [ { "text": "Which statutory debt solutions exist here?", "kind": "provenance" }, { "text": "Who can advise on them?", "kind": "action" } ] } ] } ] }, { "id": "help", "name": "Help", "description": "Free advice.", "rationale": "Help is available.", "layers": [ { "id": "advice", "name": "Advice", "description": "Debt charities.", "findings": [ { "id": "advice-finding", "name": "Advice", "description": "Debt advice.", "questions": [ { "text": "Where can someone get free, independent debt advice?", "kind": "action" }, { "text": "Is the situation urgent?", "kind": "boundary" } ] } ] }, { "id": "wellbeing", "name": "Well-being", "description": "Stress.", "findings": [ { "id": "wellbeing-finding", "name": "Well-being", "description": "Well-being.", "questions": [ { "text": "Is the person in distress and in need of support services?", "kind": "boundary" }, { "text": "Which services can help?", "kind": "action" } ] } ] } ] }, { "id": "accounting", "name": "Accounting", "description": "Liabilities.", "rationale": "Businesses record debt.", "layers": [ { "id": "balance-sheet", "name": "Balance sheet", "description": "Current and long-term.", "findings": [ { "id": "balance-sheet-finding", "name": "Balance sheet", "description": "Liabilities.", "questions": [ { "text": "How is the debt classified on the balance sheet?", "kind": "definition" }, { "text": "Under which standard?", "kind": "provenance" } ] } ] }, { "id": "limits", "name": "Limits", "description": "No personal advice.", "findings": [ { "id": "limits-finding", "name": "Limits", "description": "Advice limit.", "questions": [ { "text": "Is the user asking what to do about their own debts?", "kind": "boundary" }, { "text": "How should the agent refer them?", "kind": "action" } ] } ] } ] } ] }, "openQuestions": [ "Should debt types be separate entries?", "How should debt advice services be localised?", "How should public debt be split off?" ], "statistics": { "bundles": 4, "layers": 8, "findings": 8, "questions": 16 } }, "draft": { "generator": "vr.draft.v3", "status": "draft-generated", "researched": false, "archetype": "abstract concept", "method": "Written from the archetype playbook - what this kind of thing needs beyond identity and provenance - and from the structure that recurred across 6,333 models already researched by two engines. Applied to this entry by rule. No source was read for this thing and no claim here is researched. This entry carries no facets of its own, so they were inferred from its domain - a guess about a whole domain applied to one thing.", "facetsInferred": true, "nextPass": "A researcher replaces this draft with a sourced specification. Treat every sentence below as a proposal to argue with.", "purpose": "Give an agent a durable, checkable way to recognise a debt, record what state it is in, and decide what may be done with it.", "whatItIs": "Let an agent explain debt factually by type, terms, rights and routes to free debt advice, without personal financial or legal advice.", "characteristics": { "substance": "abstract", "origin": "conceptual", "agency": "inert" }, "whatYouCanDoWithIt": [ "observed and measured" ], "distinguishingFeatures": [ "Names folded into this entry, which a task may need to split apart again: liabilities plus owner's equity, current liability, long-term liabilities, bad debt, distressed securities, debt to landlord, debt capacity, government debt, Household debt, debt of honor, tax debt, consumer debt.", "24 finer distinctions are held as aliases rather than separate entries, because telling them apart needs a task that asks for it.", "Described in 104 Wikipedia languages, which is a measure of how widely the thing is known, not of how important it is." ], "openQuestionsForResearch": [ "Which of the bundles below does a real task actually need, and which are ceremony?", "What does this thing have that the facets do not capture at all?", "Which neighbouring kind is most often confused with a debt, and on what evidence are they told apart?" ], "whatItIsMadeOf": "an abstraction with no physical instance", "physicalCharacter": [ "Does nothing on its own; everything it does, something else did to it.", "These come from the domain this entry sits in rather than from the entry itself, so treat them as a first guess about the whole domain applied to one thing." ], "whatCanBeDoneWithIt": [ "observe it, measure it, record its state" ], "howItIsRecognised": [ "Nothing to see. What is recognised is an instance of it, and which instances count is exactly what is argued about." ], "relatedModels": [ { "relation": "covers", "note": "Finer kinds folded into this entry because telling them apart needs a task that asks for it. Each is a model waiting to be split out when one does.", "targets": [ "liabilities plus owner's equity", "current liability", "long-term liabilities", "bad debt", "distressed securities", "debt to landlord", "debt capacity", "government debt", "Household debt", "debt of honor", "tax debt", "consumer debt" ] } ], "standing": "Described in 104 Wikipedia languages, which measures how widely it is written about rather than how important or how common it is. 24 finer distinctions are held inside this entry as names rather than as separate models.", "structure": { "bundles": [ { "id": "identity-and-classification", "name": "Identity, naming and classification", "description": "How an agent tells one debt from another, and a debt from things that resemble it.", "rationale": "Recognition comes before every other claim. Without stable identity nothing else in the model can be trusted to be about the same thing twice.", "layers": [ { "id": "naming-and-identifiers", "name": "Names and identifiers", "description": "The names this thing goes by and the identifiers that survive translation and time.", "findings": [ { "id": "preferred-name-and-aliases", "name": "Preferred name, aliases and local names", "description": "Which name to use, which names mean the same thing, and which merely sound similar.", "questions": [ { "id": "preferred-name-and-aliases-q01", "text": "What identifies and describes the name of a debt, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "preferred-name-and-aliases-q02", "text": "Who or what asserted this about the name of a debt, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "preferred-name-and-aliases-q03", "text": "What may an agent decide or do once the name of a debt is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] }, { "id": "stable-identifiers", "name": "Stable identifiers and external keys", "description": "Identifiers that keep pointing at this kind of thing across systems and languages.", "questions": [ { "id": "stable-identifiers-q01", "text": "What identifies and describes an identifier for a debt, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "stable-identifiers-q02", "text": "Who or what asserted this about an identifier for a debt, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "stable-identifiers-q03", "text": "What may an agent decide or do once an identifier for a debt is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] }, { "id": "classification-and-granularity", "name": "Classification and granularity", "description": "Where a debt sits among kinds, and how finely a task needs to cut it.", "findings": [ { "id": "kind-and-parents", "name": "Kind, parents and neighbouring kinds", "description": "The classes this thing belongs to and the ones it is next to.", "questions": [ { "id": "kind-and-parents-q01", "text": "What identifies and describes the kind of a debt, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "kind-and-parents-q02", "text": "Who or what asserted this about the kind of a debt, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "kind-and-parents-q03", "text": "What may an agent decide or do once the kind of a debt is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] }, { "id": "distinguishing-features", "name": "Distinguishing features", "description": "What separates a debt from the things most often confused with it.", "questions": [ { "id": "distinguishing-features-q01", "text": "What identifies and describes what distinguishes a debt, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "distinguishing-features-q02", "text": "Who or what asserted this about what distinguishes a debt, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "distinguishing-features-q03", "text": "What may an agent decide or do once what distinguishes a debt is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] } ] }, { "id": "state-and-lifecycle", "name": "State and lifecycle", "description": "The states a debt passes through and the events that move it between them.", "rationale": "Most decisions about a thing depend on what state it is in now, which is a claim with a time on it, not a property.", "layers": [ { "id": "lifecycle-stages", "name": "Lifecycle stages", "description": "From coming into existence to ceasing to be one of these.", "findings": [ { "id": "stages-and-transitions", "name": "Stages and transitions", "description": "The stages worth naming and what moves a debt between them.", "questions": [ { "id": "stages-and-transitions-q01", "text": "What identifies and describes the lifecycle of a debt, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "stages-and-transitions-q02", "text": "Who or what asserted this about the lifecycle of a debt, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "stages-and-transitions-q03", "text": "What may an agent decide or do once the lifecycle of a debt is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] }, { "id": "observations-and-status", "name": "Observations and current status", "description": "What is observed about a debt, how often and by whom.", "findings": [ { "id": "observation-record", "name": "Observation record", "description": "How an observation of a debt is recorded so that it can be superseded rather than overwritten.", "questions": [ { "id": "observation-record-q01", "text": "What identifies and describes an observation of a debt, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "observation-record-q02", "text": "Who or what asserted this about an observation of a debt, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "observation-record-q03", "text": "What may an agent decide or do once an observation of a debt is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] } ] }, { "id": "definitions-in-contest", "name": "Definitions and who holds them", "description": "What debt is taken to mean, and by whom.", "rationale": "When a field disagrees about a concept, the disagreement is the content. A model that picks one definition silently destroys the information.", "layers": [ { "id": "competing-definitions", "name": "Competing definitions", "description": "The main readings and the traditions behind them.", "findings": [ { "id": "definition-map", "name": "Definitions and their holders", "description": "Each definition with the school or body that holds it.", "questions": [ { "id": "definition-map-q01", "text": "Which definitions of debt are in use, and which tradition or body holds each?", "kind": "definition" }, { "id": "definition-map-q02", "text": "What turns on the difference between them in practice?", "kind": "boundary" } ] } ] }, { "id": "operationalisation", "name": "Operationalisation", "description": "How it is measured or applied when it has to be.", "findings": [ { "id": "operational-record", "name": "Measures and proxies", "description": "Instruments and indicators used to stand in for it.", "questions": [ { "id": "operational-record-q01", "text": "How is debt operationalised or measured in practice, and by what instrument?", "kind": "measurement" }, { "id": "operational-record-q02", "text": "What does that operationalisation leave out, and when does that matter?", "kind": "boundary" } ] } ] } ] }, { "id": "instances-and-use", "name": "Instances, use and consequence", "description": "What counts as an instance of debt and what follows from calling something that.", "rationale": "Applying a concept is an act with consequences, so a model must say what the label licenses and what it does not.", "layers": [ { "id": "instances", "name": "What counts as an instance", "description": "Clear cases, borderline cases and non-cases.", "findings": [ { "id": "instance-tests", "name": "Tests for an instance", "description": "What would settle whether something falls under it.", "questions": [ { "id": "instance-tests-q01", "text": "What would settle whether something is an instance of debt?", "kind": "boundary" }, { "id": "instance-tests-q02", "text": "Which borderline cases are argued about, and on what grounds?", "kind": "definition" } ] } ] }, { "id": "consequence", "name": "Consequence of application", "description": "Rights, duties or decisions that follow from the label.", "findings": [ { "id": "consequence-record", "name": "What the label licenses", "description": "What an agent may do once something is classified this way.", "questions": [ { "id": "consequence-record-q01", "text": "What follows practically once something is treated as debt?", "kind": "action" }, { "id": "consequence-record-q02", "text": "What must an agent not infer from the label alone?", "kind": "action" } ] } ] } ] }, { "id": "provenance-and-evidence", "name": "Provenance, evidence and time", "description": "Where every claim about a debt came from and when it held.", "rationale": "A claim without a source and a time cannot be superseded, only overwritten, and an agent that overwrites loses the ability to explain itself.", "layers": [ { "id": "source-and-authority", "name": "Source and authority", "description": "Who said it, on what evidence, and how strongly.", "findings": [ { "id": "claim-provenance", "name": "Claim provenance and confidence", "description": "The authority behind each claim about a debt and how confident it is.", "questions": [ { "id": "claim-provenance-q01", "text": "What identifies and describes a claim about a debt, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "claim-provenance-q02", "text": "Who or what asserted this about a claim about a debt, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "claim-provenance-q03", "text": "What may an agent decide or do once a claim about a debt is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] }, { "id": "time-and-versions", "name": "Time, versions and supersession", "description": "When a claim was true, when it was learnt, and what replaced it.", "findings": [ { "id": "validity-and-supersession", "name": "Validity period and supersession", "description": "How an old claim about a debt is retired without being erased.", "questions": [ { "id": "validity-and-supersession-q01", "text": "What identifies and describes the validity of a claim about a debt, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "validity-and-supersession-q02", "text": "Who or what asserted this about the validity of a claim about a debt, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "validity-and-supersession-q03", "text": "What may an agent decide or do once the validity of a claim about a debt is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] } ] } ] }, "statistics": { "bundles": 5, "layers": 10, "findings": 12, "questions": 32 } } } }