Pre-launch document. Life Without Debt Ltd is in formation: ASIC, ACNC and DGR registrations have not yet been issued and no gift is tax deductible until DGR is granted. Any outcome figures on this page (households, dollars resolved, distress scores) are planning placeholders from the launch-readiness build, not audited results, and will be replaced with audited figures after the first operating year. Verified founder facts: creditmediation.com.au/media.

Get in touch.

Every enquiry is logged, acknowledged within one business day, and routed to the right person. We collect only what we need to reply usefully — and only ever with your consent.

What we do with your information. Your enquiry is stored in Life Without Debt Ltd’s own CRM (Cloudflare D1, Australia region), not a third-party marketing system. We use it only to respond to you, and to keep an audit trail of who has contacted us and about what. We do not sell contact data, ever. Marketing updates are opt-in only (the box above). Full privacy policy: /privacy. Complaints: /complaints.

Compliance envelope. Life Without Debt Ltd is a company in formation. ACNC registration and DGR endorsement are both pending. This form does not accept gifts — regular giving pledges begin only once DGR endorsement is granted. Licensed debt-negotiation activity is provided under ACL 387398 (via Credit Mediation Services Pty Ltd).

Prefer email? Write to carla@cosaicfoservices.com.au (or, for health-sector referral MOUs, referrals@cosaicfoservices.com.au).