📋 CMO REVIEW REQUIRED · HA1 · NOT FOR PUBLICATION
This asset is a working draft authored under Standing Order #1 (del.auth). It will be held at HA4 maximum until triad marketing-authority (Laurence Hugo + Lisa Hugo + Corrina McGowan · SO #5, SO #6) has performed sight-check review. HA5 (board-ratified · publication-ready) is gated on that CMO sight-check per user directive 2026-08-06.
SO #3 · Placeholder registrations. Life Without Debt Ltd is in pre-registration phase. ACNC charity registration, ASIC company registration, and ATO DGR/tax endorsement are not yet finalised. Any registration numbers, ABN references, or DGR statements shown are placeholders under Standing Order #3 (truthful non-compliance) and will be replaced with real values on registration.
Am I eligible for Life Without Debt?
STANCE A · DIRECT
names the illness context in plain English
Am I eligible?
Our services are for persons in Australia living with a terminal, life-limiting, chronic or serious illness — and for their immediate families and primary carers. This is the paramount beneficiary class named in clause 4(a) of our constitution. The self-check below is not a decision — it is a first indicator. Every intake is reviewed by a human.
STANCE B · GENTLE
leads with debt-resolution offer, illness as qualifier
Am I eligible?
Life Without Debt supports Australians navigating serious health circumstances — including their close families and carers. The self-check below gives you an early sense of whether we can help. It is not a decision. Every case is reviewed by a person.
Triad decision required at HA3 sight-check (SO #5)
Under Standing Order #5 (marketing-approval triad: Laurence + Lisa + Corrina) the choice between Stance A (direct) and Stance B (gentle) is a marketing-authority decision — the agent has authored both to hand you the choice, not to pre-collapse it. Circle back at the 25 Aug Board meeting or via
/ha4-ha5-console once a stance is chosen.
The four questions
1 · Are you (or the person you care for) living in Australia?
LWD services are Australia-only under clause 4(a).
2 · Are you (or the person you care for) living with a terminal, life-limiting, chronic or serious illness or health condition?
This can be a diagnosed condition or a serious health situation currently affecting daily life. "Serious" is a broad word on purpose — if you're not sure, the answer is probably still yes.
3 · Do you (or the person you care for) have consumer debt that is making life harder?
Consumer debt = personal credit cards, personal loans, buy-now-pay-later, personal utility debts, telco, medical debt, tax debt, and similar. Business debts are outside our scope. Mortgages we look at case-by-case.
4 · Are you the person who needs help, an immediate family member, a primary carer, or a health professional referring on their behalf?
All four are eligible starting points. Health professionals — see our
Referrer pack.
If you answered yes to all four
You're highly likely to be eligible. The next step is to complete our Beneficiary Intake form. We'll get back to you within 2 business days.
If you answered no to one of them
We may still be able to help, or we may be able to point you to someone who can. Please contact us at hello@cosailifewithoutdebt.org.
What we can't help with (audience non-goals)
- Business debts (though we can refer)
- Debts arising from criminal restitution or fines
- Family law disputes about debt allocation
- Bankruptcy filing itself (though we can refer to a registered trustee)
- Health situations that are transient and expected to resolve quickly
If you are in crisis or need urgent help
Life Without Debt is not a crisis service. If you or someone you care for is in immediate distress, please contact Lifeline 13 11 14, Beyond Blue 1300 22 4636, or 13 YARN 13 92 76. For medical emergencies call 000. For palliative-care support, Palliative Care Australia can help you find your nearest service.
Privacy & complaints
Any information you share via the intake form is protected under our Privacy Policy. Complaints about eligibility decisions can be raised via our Complaints & Feedback page.
Version 0.1 · HA1 draft · Sprint 35. Related: Intake · FAQ · For carers · For referrers