{
  "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",
    "enrichment": {
      "pass": 3,
      "engine": "claude",
      "producedAt": "2026-10-05T17:00:00Z",
      "ingestedAt": "2026-10-05T13:19:09+00:00",
      "fields": [
        "agent_conduct",
        "ethics",
        "owners"
      ]
    },
    "gate": {
      "passed": true,
      "version": "1.0",
      "at": "2026-10-06T19:51:58+00:00",
      "evidence": [
        "completeness 1.00",
        "sense: Wikidata description",
        "2 live sources",
        "review by codex: pass"
      ]
    }
  },
  "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": [],
    "agent_conduct": {
      "may": [
        "Calculate balances, interest and repayment schedules from the terms the user provides.",
        "Explain a person's rights as a debtor or creditor in general terms and point to free debt advice."
      ],
      "must_not": [
        "Threaten, harass or shame a debtor, or contact third parties about their debt unlawfully.",
        "Misstate the amount owed, add charges the contract does not allow, or pursue debts already settled.",
        "Take on or sign up for credit in someone's name without their decision.",
        "Share a person's debt information beyond those with a lawful need."
      ],
      "requires_human": [
        "Agreeing to a repayment plan, settlement or insolvency step.",
        "Starting collection or legal action against a debtor."
      ]
    },
    "ethics": {
      "considerations": [
        "Debt can trap people in poverty and harm their mental health.",
        "Creditors and debtors both rely on honest records of what is owed."
      ],
      "affected_parties": [
        "Debtors and their households",
        "Creditors",
        "Guarantors and co-signers"
      ]
    },
    "owners": {
      "steward": "The creditor holds the claim and the debtor the obligation; credit agencies keep reports of it.",
      "master_systems": [
        "Credit reference records",
        "Court judgment and insolvency registers"
      ]
    }
  },
  "sources": [
    {
      "id": "wikidata",
      "title": "Wikidata item Q3196867: debt",
      "url": "https://www.wikidata.org/wiki/Q3196867",
      "url_status": "live",
      "what_it_supports": "identity and sense of the item",
      "checked_by": "wikidata-api"
    },
    {
      "id": "wikipedia-en",
      "title": "Wikipedia: Debt",
      "url": "https://en.wikipedia.org/wiki/Debt",
      "url_status": "live",
      "what_it_supports": "general description of the item",
      "checked_by": "wikidata-api sitelink"
    }
  ],
  "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
  }
}