Referrer Pack · for health professionals

What Life Without Debt does

Life Without Debt Ltd (ACN: pending · ABN: pending) is an Australian charity that resolves consumer debt for people living with terminal, life-limiting, chronic, or serious illness — and for their immediate families and primary carers. Service is free at the point of use. It is funded through donations, grants, and philanthropic partnerships.

The service model:

• Case intake · via /intake or professional referral (this pack).
• Credit-mediation service · a Beneficiary Liaison Officer works with each patient's creditors directly under written authority.
• No fees to the patient. No commissions taken from any debt-resolution outcome. Not a debt-management firm; not a "debt agreement" firm; not credit repair.
• Governance · ACNC-registered charity (pending), Board-governed. See /board-and-governance and Blended Workforce Design.

Patients you should think of us for

• A palliative or terminally-ill patient whose consumer debts are compounding stress on the patient or family
• A patient in the first 6 months post-diagnosis of a life-limiting illness (this is the window when debt loads spike from lost income + medical costs)
• A chronic-illness patient whose ongoing costs have pushed consumer credit into a spiral
• A primary carer whose own consumer debt has grown while caring
• Recently-bereaved families dealing with the deceased's consumer debt (we can advise, though probate specialists lead)

Patients we can't help

• Business debts (we can refer to Small Business Debt Helpline)
• Situations requiring formal bankruptcy filing (we can refer to a registered trustee)
• Health situations that are transient (a broken leg, elective surgery recovery, etc.)
• Family Court debt-allocation disputes

How to refer

1. Get consent · the patient (or their authorised representative) must consent to your referring on their behalf.
2. Send us the referral · email referrals@cosailifewithoutdebt.org with: patient name (or de-identified code if they prefer), your professional details, the best way for us to make contact, and — with the patient's consent — a brief note on illness context.
3. We contact the patient within 2 business days.
4. We keep you in the loop to the extent the patient consents to us doing so — most patients want their treating team informed of case progress.

What we ask of referrers

• Only refer with patient consent.
• Do not share patient financial information beyond what's needed to make first contact.
• Set realistic expectations — we are careful, thorough, and non-transactional. Cases typically resolve over weeks, not days.
• Give us feedback. If our service has helped, tell us. If it hasn't, tell us more.

Case-conference support

For complex cases — a multi-morbidity chronic patient in aged-care transition with 6+ creditors, for example — we can join a case conference by phone or video. Request via referrals@cosailifewithoutdebt.org.

Downloads (placeholder pending Sprint 37 media kit)

• Referrer pack PDF (2pp) — pending Sprint 37
• Consent-to-refer template — pending Sprint 37
• Waiting-room flyer (A5) — pending Sprint 37

Privacy & complaints

Referred-patient information is protected under our Privacy Policy. Complaints from referrers or on behalf of patients can be raised via our Complaints & Feedback page.

Contact

referrals@cosailifewithoutdebt.org

Version 0.1 · HA1 draft · Sprint 35. Related: Intake · Eligibility · Governance