{
  "vercy": "1.0-draft",
  "publication": {
    "status": "research-draft",
    "adjudicationStatus": "unreviewed",
    "publishableCanonical": false,
    "generatedAt": "2026-09-11T05:48:13Z",
    "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",
    "enrichment": {
      "pass": 3,
      "engine": "claude",
      "producedAt": "2026-10-05T16:30:00Z",
      "ingestedAt": "2026-10-05T13:23:01+00:00",
      "fields": [
        "agent_conduct",
        "ethics",
        "owners"
      ]
    },
    "gate": {
      "passed": true,
      "version": "1.0",
      "at": "2026-10-07T12:16:27+00:00",
      "evidence": [
        "completeness 1.00",
        "sense: WordNet gloss",
        "2 live sources",
        "review by codex: pass"
      ]
    }
  },
  "metaModel": {
    "id": "THING-DEBT-POSSESSION",
    "registryId": "vr.tr.debt-possession",
    "name": "debt",
    "version": "0.2.0-wave.1",
    "entryKind": "thing",
    "family": "Thing Registry",
    "domain": [
      "SOC.ECO"
    ],
    "status": "research-draft"
  },
  "canonicalUrl": "https://ver.cy/models/thing/debt-possession/",
  "model": {
    "registry_id": "vr.tr.debt-possession",
    "name": "debt",
    "purpose": "Let an agent handle debts by creditor, debtor, amount, terms and status, give factual information only, and signpost free debt advice rather than giving personal financial advice.",
    "definition": "Money, goods or services owed by one person or organisation to another, such as loans, arrears or national debt, with terms for repayment and interest.",
    "what_it_is_for": "Financing spending and investment over time; debt is also a source of hardship.",
    "affordances": [
      "borrow and repay",
      "restructure or consolidate it",
      "collect it, within the law",
      "seek free debt advice"
    ],
    "distinguishing_features": [
      "An obligation to pay",
      "Secured or unsecured",
      "Interest and fees change the total owed",
      "Collection practices are regulated"
    ],
    "appearance": "Loan agreements, statements, invoices in arrears and balance sheet entries.",
    "visual_identification": [
      "Loan agreements with principal, rate and term",
      "Statements showing arrears",
      "National debt figures in official statistics"
    ],
    "physical_properties": [],
    "families_and_kinds": [
      "consumer loans and credit cards",
      "mortgages",
      "business and commercial loans",
      "interbank loans",
      "public and national debt",
      "arrears on bills"
    ],
    "related_models": [
      {
        "relation": "is a kind of",
        "target": "obligation",
        "why": "liability"
      },
      {
        "relation": "is paid by",
        "target": "payment",
        "why": "repayment"
      },
      {
        "relation": "is recorded in",
        "target": "document of title or agreement",
        "why": "evidence"
      },
      {
        "relation": "is the converse of",
        "target": "assets",
        "why": "for the creditor"
      }
    ],
    "identifiers": [],
    "standards_and_regulation": [
      "Consumer credit law such as EU Directive 2023/2225",
      "Debt collection regulation",
      "Insolvency law",
      "Public debt statistics standards"
    ],
    "failure_modes_and_hazards": [
      "Unaffordable debt and hardship",
      "Illegal lending and debt collection scams",
      "Hidden fees",
      "Personal financial advice from an agent"
    ],
    "in_scope": [],
    "out_of_scope": [],
    "characteristics": [],
    "agent_conduct": {
      "may": [
        "Report debts and repayment terms to the debtor who asked.",
        "Explain debt options in general terms and point to free advice services."
      ],
      "must_not": [
        "Harass or threaten debtors, or contact third parties about a person's debt.",
        "Collect debts it has no authority to collect, or debts already paid or time-barred.",
        "Misstate amounts, interest or legal consequences.",
        "Take on debt on a person's behalf."
      ],
      "requires_human": [
        "Agreeing repayment plans or settlements."
      ]
    },
    "ethics": {
      "considerations": [
        "Debt causes stress, ill health and exclusion; collection practices must respect dignity.",
        "Predatory lending targets the poorest."
      ],
      "affected_parties": [
        "Debtors and their families",
        "Creditors"
      ]
    },
    "owners": {
      "steward": "The creditor holds the claim; the debtor owes it.",
      "master_systems": [
        "Credit reference records"
      ]
    }
  },
  "sources": [
    {
      "id": "oewn",
      "title": "Open English WordNet 2024, synset oewn-13418347-n",
      "url": "https://en-word.net/id/oewn-13418347-n",
      "what_it_supports": "sense and gloss of the concept",
      "url_status": "live",
      "checked_by": "http 200"
    },
    {
      "id": "wiktionary-en",
      "title": "Wiktionary: debt",
      "url": "https://en.wiktionary.org/wiki/debt",
      "what_it_supports": "word senses and usage",
      "url_status": "live",
      "checked_by": "http 200"
    }
  ],
  "structure": {
    "bundles": [
      {
        "id": "terms",
        "name": "Terms",
        "description": "What is owed and how.",
        "rationale": "Terms define the debt.",
        "layers": [
          {
            "id": "amount",
            "name": "Amount",
            "description": "Principal, interest, fees.",
            "findings": [
              {
                "id": "amount-finding",
                "name": "Amount",
                "description": "Amount owed.",
                "questions": [
                  {
                    "text": "How much is owed, including interest and fees?",
                    "kind": "measurement"
                  },
                  {
                    "text": "What is the interest rate, fixed or variable?",
                    "kind": "measurement"
                  }
                ]
              }
            ]
          },
          {
            "id": "schedule",
            "name": "Schedule",
            "description": "Repayment terms.",
            "findings": [
              {
                "id": "schedule-finding",
                "name": "Schedule",
                "description": "Repayment schedule.",
                "questions": [
                  {
                    "text": "What are the repayment terms?",
                    "kind": "definition"
                  },
                  {
                    "text": "What happens on a missed payment?",
                    "kind": "boundary"
                  }
                ]
              }
            ]
          }
        ]
      },
      {
        "id": "parties",
        "name": "Parties",
        "description": "Creditor and debtor.",
        "rationale": "Who is owed matters for rights.",
        "layers": [
          {
            "id": "creditor",
            "name": "Creditor",
            "description": "Lender or seller.",
            "findings": [
              {
                "id": "creditor-finding",
                "name": "Creditor",
                "description": "The creditor.",
                "questions": [
                  {
                    "text": "Who is the creditor, and are they licensed?",
                    "kind": "provenance"
                  },
                  {
                    "text": "Has the debt been sold on?",
                    "kind": "provenance"
                  }
                ]
              }
            ]
          },
          {
            "id": "security",
            "name": "Security",
            "description": "Collateral.",
            "findings": [
              {
                "id": "security-finding",
                "name": "Security",
                "description": "Collateral.",
                "questions": [
                  {
                    "text": "Is the debt secured on property?",
                    "kind": "boundary"
                  },
                  {
                    "text": "What could be repossessed?",
                    "kind": "boundary"
                  }
                ]
              }
            ]
          }
        ]
      },
      {
        "id": "difficulty",
        "name": "Difficulty",
        "description": "When repayment is hard.",
        "rationale": "Free advice and legal protections exist.",
        "layers": [
          {
            "id": "advice",
            "name": "Advice",
            "description": "Free debt advice.",
            "findings": [
              {
                "id": "advice-finding",
                "name": "Advice",
                "description": "Where to get help.",
                "questions": [
                  {
                    "text": "Where can the person get free, regulated debt advice?",
                    "kind": "action"
                  },
                  {
                    "text": "What protections apply during hardship?",
                    "kind": "boundary"
                  }
                ]
              }
            ]
          },
          {
            "id": "collection",
            "name": "Collection",
            "description": "Collector conduct.",
            "findings": [
              {
                "id": "collection-finding",
                "name": "Collection",
                "description": "Rules on collection.",
                "questions": [
                  {
                    "text": "Is the collector acting within the rules?",
                    "kind": "boundary"
                  },
                  {
                    "text": "How can a complaint be made?",
                    "kind": "action"
                  }
                ]
              }
            ]
          }
        ]
      },
      {
        "id": "limits",
        "name": "Limits",
        "description": "No personal advice.",
        "rationale": "Agents must not give personal financial advice.",
        "layers": [
          {
            "id": "boundary",
            "name": "Boundary",
            "description": "Information only.",
            "findings": [
              {
                "id": "boundary-finding",
                "name": "Advice limit",
                "description": "What the agent may say.",
                "questions": [
                  {
                    "text": "Is the user asking for personal financial advice?",
                    "kind": "boundary"
                  },
                  {
                    "text": "How should the agent respond?",
                    "kind": "action"
                  }
                ]
              }
            ]
          },
          {
            "id": "scams",
            "name": "Scams",
            "description": "Fake lenders.",
            "findings": [
              {
                "id": "scams-finding",
                "name": "Scams",
                "description": "Scam warnings.",
                "questions": [
                  {
                    "text": "Does this lender or offer show scam signs?",
                    "kind": "boundary"
                  },
                  {
                    "text": "Where can it be checked?",
                    "kind": "action"
                  }
                ]
              }
            ]
          }
        ]
      }
    ]
  },
  "openQuestions": [
    "Should debt types be separate entries?",
    "How should agents signpost free debt advice by country?",
    "How should national and personal debt be separated?"
  ],
  "statistics": {
    "bundles": 4,
    "layers": 8,
    "findings": 8,
    "questions": 16
  }
}