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 [email protected] 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 [email protected].

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

[email protected]

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