Standard breathing space - encode information?

[stevejaubz]

What are Qualifying debts:

Debts included in a breathing space must be qualifying debts. Debts are any sum of money owed by the debtor to you, while liabilities are any obligation on the debtor to pay money to you. Most debts are likely to be qualifying debts. These will include:

• credit cards
• store cards
• personal loans
• pay day loans
• overdrafts
• utility bill arrears
• mortgage or rent arrears

The following debts are excluded:

• secured debts (like mortgages, hire purchase or conditional sale agreements).
• debts incurred from fraud or fraudulent breach of trust.
• liabilities to pay fines imposed by a court for an offence. This includes any interest on the fine and any penalties connected to it. This does not include penalty charge notices, like a parking ticket
• obligations from a confiscation order
• a crisis or budgeting loan from the social fund
• student loans
• damages they need to pay for death or personal injury caused to someone else
• advance payments of Universal Credit
• council tax liabilities have not yet fallen due. If all instalments for that financial year have fallen due and have not been paid, these are considered to be a qualifying debt.

[stevejaubz]

Enhancement: Include breathing space in the debt_solutions.docx, display a list of debts that will and will not be included in. a breathing space or mental health breathing space