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Co-founder of Life Without Debt, the Australian charity funding licensed debt-mediation for people living with terminal, life-limiting, chronic or serious illness. Background: founder and director of Credit Mediation Services Pty Ltd (ACL 387398, established 2002); 32 years in banking; 15 years a Sydney Lifeline crisis counsellor and trainer; TEDxUniSA speaker, 2022.

Laurence Hugo co-founded Life Without Debt Ltd, an Australian charity that funds licensed debt-mediation for people living with terminal, life-limiting, chronic or serious illness. In LWD’s first operating year, the charity supported 31 households and closed cases resolving $1.82 million of consumer debt. Debt-mediation itself is performed by Credit Mediation Services Pty Ltd under Australian Credit Licence No. 387398; LWD is the charitable funder. Background: Laurence founded Credit Mediation Services in 2002 after 32 years in banking and has negotiated consumer and business debt with Australia’s major lenders since. He spent 15 years with Sydney Lifeline as a crisis counsellor and then training counsellors in suicide intervention, and gave a TEDxUniSA talk in 2022 on what crisis calls teach about purpose. MFAA 2023 Community Champion state finalist.

Laurence Hugo co-founded Life Without Debt Ltd (ACN: pending · ABN: pending), an Australian public benevolent institution that resolves consumer debt for people living with terminal, life-limiting, chronic or serious illness. LWD provides charitable funding for licensed debt-mediation work performed by Credit Mediation Services Pty Ltd under Australian Credit Licence No. 387398. In its first operating year, LWD supported 31 households, resolved $1.82 million of consumer debt, achieved a 23-day average time-to-resolution, delivered a 52% reduction in beneficiary K10 psychological distress scores, and reported that 87 cents of every donated dollar reached mediation work. ACNC registration pending · DGR endorsement in progress. Laurence’s background is in banking (32 years) and licensed debt negotiation. He founded Credit Mediation Services Pty Ltd in 2002 and holds Australian Credit Licence 387398 through it, negotiating with Australia’s major banks and lenders on behalf of individuals and small businesses in hardship, with a published historical average reduction of about 40% for qualifying clients and a firm position that outcomes are never guaranteed. Alongside the practice he gave 15 years to Sydney Lifeline, first as a crisis counsellor and then training new counsellors in telephone counselling, suicide intervention and mental health, and five years to Wesley Mission’s Street Smart program for homeless young people. His 2022 TEDxUniSA talk asks what suicide and terminal illness teach about purpose. He was a 2023 MFAA Community Champion state finalist. Full profile, videos and downloadable bios: creditmediation.com.au/media.

Chair of the Life Without Debt Board. Governance and audit oversight for the charitable funding of licensed debt-mediation across Australia. This Board seat is not yet appointed. Life Without Debt Ltd is in formation; independent directors are being recruited and this bio will be completed on appointment.

[Placeholder] chairs the Board of Life Without Debt Ltd, the Australian charity that funds licensed debt-mediation for people living with serious illness. As Chair, [Placeholder] leads governance and audit oversight, including the charity’s ACNC registration processes, DGR endorsement, and its formal working relationship with Credit Mediation Services Pty Ltd (Australian Credit Licence No. 387398). This Board seat is not yet appointed. Life Without Debt Ltd is in formation; independent directors are being recruited and this bio will be completed on appointment.

[Placeholder] chairs the Board of Life Without Debt Ltd (ACN: pending · ABN: pending). LWD is an Australian public benevolent institution that resolves consumer debt for people living with terminal, life-limiting, chronic or serious illness by funding licensed mediation performed under Australian Credit Licence No. 387398 by Credit Mediation Services Pty Ltd. As Chair, [Placeholder] leads Board-level oversight of governance, audit, risk, and the charity’s regulatory relationships with ACNC, ATO, and ASIC. The Board publishes audited annual financials and quarterly de-identified case-level impact reporting. ACNC registration pending · DGR endorsement in progress. [Placeholder]’s prior roles, professional history, and any concurrent Board or advisory positions to be finalised at CMO sight-check.

Treasurer of the LWD Board. Financial oversight of an Australian charity resolving consumer debt for people with serious illness. This Board seat is not yet appointed. Life Without Debt Ltd is in formation; independent directors are being recruited and this bio will be completed on appointment.

[Placeholder] serves as Treasurer of the Life Without Debt Board. As Treasurer, [Placeholder] leads financial oversight of the charity’s Y1 audited financials, its 87-cents-per-donated-dollar-to-mediation cost efficiency, and its reporting obligations under ACNC and (pending) DGR endorsement. LWD funds licensed debt-mediation performed by Credit Mediation Services Pty Ltd under Australian Credit Licence No. 387398. This Board seat is not yet appointed. Life Without Debt Ltd is in formation; independent directors are being recruited and this bio will be completed on appointment.

[Placeholder] serves as Treasurer of the Life Without Debt Ltd Board (ACN: pending · ABN: pending). LWD is an Australian charity that funds licensed debt-mediation for people living with terminal, life-limiting, chronic or serious illness; the mediation itself is performed by Credit Mediation Services Pty Ltd under Australian Credit Licence No. 387398. As Treasurer, [Placeholder] leads financial governance including Y1 audited financial statements, cost-efficiency reporting (87 cents of every donated dollar reached mediation in Y1), and the charity’s (pending) DGR endorsement processes with the ATO. [Placeholder]’s prior professional history, accounting qualifications, and any concurrent board or advisory positions to be finalised at CMO sight-check under Standing Order #5. Individual outcomes may result in reduced or waived debt in some cases; mediation is not debt discharge and LWD does not guarantee outcomes.

LWD Board Director with health-sector background. Focus: hospital MOU network, palliative-care sector partnerships, referral pathway integrity. This Board seat is not yet appointed. Life Without Debt Ltd is in formation; independent directors are being recruited and this bio will be completed on appointment.

[Placeholder] serves on the Board of Life Without Debt Ltd, bringing health-sector expertise. Their focus is on LWD’s health-referrer network — the hospitals, palliative-care teams, and community health organisations that refer eligible patients under formal MOU. LWD funds licensed debt-mediation, delivered by Credit Mediation Services Pty Ltd under Australian Credit Licence No. 387398. Referring clinicians retain no financial interest in the outcome. This Board seat is not yet appointed. Life Without Debt Ltd is in formation; independent directors are being recruited and this bio will be completed on appointment.

[Placeholder] serves as a non-executive Director on the Board of Life Without Debt Ltd (ACN: pending · ABN: pending). LWD is an Australian charity that partners with health services to resolve consumer debt for patients living with terminal, life-limiting, chronic or serious illness. Referrals come through participating hospitals, palliative-care teams, and community health organisations under formal MOU (see /health-referrer-mou-pack). Debt-mediation work is performed by Credit Mediation Services Pty Ltd under Australian Credit Licence No. 387398; LWD provides the charitable funding, CMS delivers the mediation, and the referring clinician retains no financial interest in the outcome. In LWD’s first operating year, the charity supported 31 households and delivered a 52% reduction in beneficiary K10 psychological distress scores. [Placeholder]’s clinical background and any concurrent hospital or academic appointments to be finalised at CMO sight-check.

Founder and Director of Credit Mediation Services Pty Ltd, holder of Australian Credit Licence No. 387398. Delivers the licensed debt-mediation LWD funds. Career: 32 years in banking before founding the practice in 2002; 15 years with Sydney Lifeline as a crisis counsellor and trainer; TEDxUniSA speaker, 2022; MFAA 2023 Community Champion state finalist.

[Placeholder] is Founder and Director of Credit Mediation Services Pty Ltd, holder of Australian Credit Licence No. 387398. CMS performs the licensed debt-mediation on behalf of Life Without Debt Ltd’s beneficiaries; LWD funds the work. CMS is a separate legal entity from LWD; the two operate under a formal working agreement. Career: 32 years in banking, then founder and director of Credit Mediation Services since 2002, holding ACL 387398 and negotiating with Australia’s major lenders on behalf of individuals and small businesses in hardship. Fifteen years with Sydney Lifeline as a crisis counsellor and trainer in suicide intervention. TEDxUniSA speaker (2022). MFAA 2023 Community Champion state finalist. Profile: creditmediation.com.au/media.

[Placeholder] is Founder and Director of Credit Mediation Services Pty Ltd, an Australian consumer-credit provider holding Australian Credit Licence No. 387398. CMS is the licensed practitioner that performs debt-mediation work on behalf of Life Without Debt Ltd’s beneficiaries. LWD is the charitable funder; CMS is the licensed provider; the two are separate legal entities operating under a formal working agreement that separates funding from delivery. This structure allows LWD to operate within the Australian consumer-credit regulatory framework by funding, rather than providing, credit-services. All mediation outcomes are the direct responsibility of CMS’s licensed practitioners. Individual outcomes may result in reduced or waived debt in some cases; mediation is not debt discharge and no guarantee of outcomes is given. [Placeholder]’s prior professional history and CMS’s corporate details to be finalised at joint CMO / CMS-legal sight-check before public release.