Liability

Required fields

idliabilityTypeamount

Fields

Field	Type	Description
accountReference	string	Account number, reference number, or policy number for this liability
amount	Money	Outstanding balance of this liability in minor currency units
creditor	string	Name of the creditor, institution, or person to whom the debt is owed
endDate	string	Date the liability is expected to be repaid in full, if known
id	string	Unique identifier for this liability within the INHERIT document
interestRate	number	Annual interest rate as a percentage (e.g. 4.5 means 4.5% per annum). Zero for interest-free debts
liabilityType	enum	The category of liability. Cultural and religious obligations are included because they are priority debts in their respective legal systems mortgage: secured loan against property. personal_loan: unsecured personal borrowing. credit_card: credit card balance. overdraft: bank overdraft. student_loan: education loan (may be forgiven on death in some jurisdictions). car_finance: vehicle finance agreement. hire_purchase: hire purchase agreement. mahr: Islamic deferred bridal gift — a legally recognised financial obligation that is a priority debt under Shariah law, enforceable in Shariah courts and in secular courts that recognise Islamic marriage contracts (e.g. UAE, Malaysia, Pakistan, and increasingly in UK/US family courts). ketubah_debt: Jewish marriage contract obligation — a legally recognised financial obligation under halachic law, enforceable in batei din and in secular courts where the ketubah is recognised as a binding contract (e.g. Israel; treated as a prenuptial in US/UK courts). lobola: African customary bride price — a legally recognised financial obligation under customary law, with statutory recognition under the Recognition of Customary Marriages Act 1998 (South Africa), and customary law statutes in Nigeria, Kenya, Zimbabwe, and other jurisdictions. May be partially refundable on certain events. tax_liability: income tax, capital gains tax, or other tax owed. funeral_costs: funeral and burial expenses — typically first priority debt. care_fees: care home or nursing fees owed. mezonot: Jewish widow's maintenance obligation — a legally recognised financial obligation under halachic law, paid from the estate before distribution, enforceable in Israeli rabbinical courts and in batei din worldwide. other: any liability not covered above.
monthlyPayment	Money	Regular monthly payment amount in minor currency units, if applicable
notes	string	Free-text notes about this liability. Use for payment protection insurance, disputes, or special arrangements
provenance	Provenance	Consolidated provenance metadata — how this entity was created, by whom, and whether a human has verified it
securedAgainst	string	Reference to a Property.id or Asset.id that this liability is secured against. Unsecured debts should omit this field
startDate	string	Date the liability was incurred or the agreement began
studentLoanInfo	object	Student loan plan details. All UK student loans (Plans 1, 2, 4, 5, and Postgraduate) are written off on death — the estate does not need to repay. Confirming this prevents executors from incorrectly paying the balance
visibility	Visibility

mortgage

personal_loan

credit_card

overdraft

student_loan

car_finance

hire_purchase

mahr

ketubah_debt

lobola

tax_liability

funeral_costs

care_fees

mezonot

other

mortgage: secured loan against property. personal_loan: unsecured personal borrowing. credit_card: credit card balance. overdraft: bank overdraft. student_loan: education loan (may be forgiven on death in some jurisdictions). car_finance: vehicle finance agreement. hire_purchase: hire purchase agreement. mahr: Islamic deferred bridal gift — a legally recognised financial obligation that is a priority debt under Shariah law, enforceable in Shariah courts and in secular courts that recognise Islamic marriage contracts (e.g. UAE, Malaysia, Pakistan, and increasingly in UK/US family courts). ketubah_debt: Jewish marriage contract obligation — a legally recognised financial obligation under halachic law, enforceable in batei din and in secular courts where the ketubah is recognised as a binding contract (e.g. Israel; treated as a prenuptial in US/UK courts). lobola: African customary bride price — a legally recognised financial obligation under customary law, with statutory recognition under the Recognition of Customary Marriages Act 1998 (South Africa), and customary law statutes in Nigeria, Kenya, Zimbabwe, and other jurisdictions. May be partially refundable on certain events. tax_liability: income tax, capital gains tax, or other tax owed. funeral_costs: funeral and burial expenses — typically first priority debt. care_fees: care home or nursing fees owed. mezonot: Jewish widow's maintenance obligation — a legally recognised financial obligation under halachic law, paid from the estate before distribution, enforceable in Israeli rabbinical courts and in batei din worldwide. other: any liability not covered above.