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.

Different rooms, different languages.

A single evidence base underpins every conversation about Life Without Debt Ltd. But a foundation program officer, a corporate CSR manager, and a regular giver each define value differently — so we speak to each of them accordingly. Here are the seven rooms in the house, and the order they open.

Live now (Years 1–2) Years 3–4 Year 4 and beyond
A
Live

Philanthropic Foundations

Paul Ramsay Foundation · Ian Potter · Sidney Myer · Vincent Fairfax · Snow Foundation · Perpetual · Equity Trustees · health-focused foundations

Evaluation-first grants for systems change. Room A speaks the language of theory of change, measurable outcomes, and institutional governance. Cheque size $200K–$500K across 1–3 years. Discovery call first, application only if fit is right.

Y5 target $2.5M Cycle 6–18 months Voice Evaluation-first
Open Room A
B
Live

Corporate Partners

Big-four bank CSR · super-fund ESG · insurance ESG · employer-of-choice EAP programs · workplace-giving payroll

The Bank Paradox — corporate partners fund the professional advocacy that resolves the debt their own sector created when a borrower is terminally ill. Three-tier partnership from $5K entry to $50K lead, ESG-aligned across UN SDGs, APRA CPS 230, GRI/SASB and Modern Slavery reporting.

Y5 target $1.5M Tiers $5K · $20K · $50K Voice ESG · shared value
Open Room B
C
Live

General Public Regular Giving

Australians 45–70 · caregivers · anyone who’s watched illness compound into debt in their own family

$19.25 a week funds one hour of expert consumer-debt negotiation, every week, for a family where someone is dying. 87 cents in every dollar to direct household service. Cancel anytime, no lock-in.

Y5 target $1.5M Anchor $19.25/week Voice Warm · specific · tangible
Open Room C
D
Years 3–4

Government & Health Departments

Federal Dept of Health · state health departments · Aged Care Quality Authority · MBS review · end-of-life care policy bodies

Institutional funding of the service model, based on Year-1 and Year-2 case data. The biggest single room at full scale — and the one that cannot be rushed. Foundation grants (Room A) build the evidence base that unlocks Room D.

Y5 target $2.0M Cycle 12–24 months Voice Policy · evidence
Opens Year 3
E
Year 4+

Bequests & Major Donors

Individuals leaving legacy gifts through wills · major-donor gifts of $50K+ · endowment contributions

Endowment pipeline that makes the organisation founder-independent by Year 5. Bequest program built on the credibility of Rooms A, C, and D combined — no bequest ask is made before the evidence base is public.

Y5 target $1.0M Cycle multi-year cultivation Voice Legacy · endowment
Opens Year 4
F
Live

Health Sector Partnerships

Palliative Care Australia · MND Australia · cancer support networks · hospital social-work departments · community health services · PHNs · ACCHOs

Refer a household. Free clinical time. Improve end-of-life care. Zero cost to the household and zero cost to the referring organisation in Years 1–2. Licensed advocacy (ACL 387398), specialist-certified eligibility, 23-day average case cycle. Fee-for-service embedded-advocate model opens Year 3 for larger networks.

Y5 target $0.5M Cycle ≈23 days per case Voice Clinical · professional
Open Room F
G
Year 4+

International Philanthropy

Global health foundations · diaspora philanthropy · international end-of-life-care networks

Once the Australian model has published outcomes across 300+ cases, Room G opens the international conversation — either as an evidence contribution to global end-of-life-care policy, or as a licensed model for adaptation offshore.

Y5 target $1.0M Cycle multi-year Voice Global · scalable
Opens Year 4

Four rooms open today. Three to come.

Life Without Debt Ltd opens its doors in stages. Rooms A, B, C, and F are active from Years 1–2. Rooms D, E, and G open in sequence as the evidence base builds. Everything sits on the same theory of change and the same audited numbers — only the language changes.

Room A · Foundations Room B · Corporate Room C · Regular giving Room F · Health referrals Theory of change