How Tom reduced his monthly repayments by $650 to manage cost of living pressures
Tom’s story
Despite working full-time in sales, rising cost-of-living pressures and unexpected expenses left Tom overcommitted on credit. Juggling four payday loans totalling $5,500, his $850 monthly repayments became entirely unmanageable. After an initial hardship period, Tom still required assistance to get back on track. We successfully negotiated an extended Temporary Hardship Plan (THP) with his creditors, drastically reducing his monthly obligations to just $200 for three months to provide vital short-term financial relief.
Age
50 years
Employment status
Full-time employed
Location
Victoria
Household type
Single
Employment
Sales
The challenge
Despite working full-time in sales, the rising cost of living and unexpected expenses left Tom trapped in an unmanageable cycle of short-term debt.
The solution
Comprehensive financial assessment
Creditor negotiation
Tailored short-term relief
Complete transparency
The result
Tom successfully entered his second Revive Temporary Hardship Plan, experiencing an immediate reduction in financial stress. All four creditors approved the heavily reduced payment plan, giving him three months of short-term relief to manage the rising cost of living and regain control of his budget.
Pausing high-interest payday loans
Losing his job left Nick, a single father, overwhelmed by $10,000 across eight debts – mostly high-interest payday loans – with $3,000 in monthly repayments he could no longer afford. With no assets and relying on Centrelink, traditional debt solutions weren’t the right fit. We secured a Temporary Hardship Pause, giving him a 3-month break from all repayments so he could focus on getting back into work.
Securing urgent hardship relief
Facing homelessness with two young children, Amy was stretched beyond her means on a part-time income supplemented by Centrelink. With a secured Swoosh loan and Afterpay debt totalling $4,000, she was paying $550 a month – money she simply didn’t have. We secured hardship approval from Swoosh, who don’t typically offer relief on secured debts, giving Amy the breathing room she needed to focus on finding a home for her family.
How Nick paused $3,000 in monthly repayments to focus on finding employment
How Amy secured hardship relief on her debts while navigating homelessness
How Mark reduced his debt by $17,000 and protected his family home
What our customers are saying
Fantastic job and great communication
Very helpful professional and kind, caring and understanding
I’ve had a great experience with Revive. Working with Connie consolidating unmanageable debt has given me peace of mind and an easy way to manage the stress of having manage a variety of debt.
Nick has been amazing in his guidance, advice and support. My case was actioned quickly and the process was smooth and uncomplicated. I would have no hesitation in recommending Revive Financial – high level of professionalism
Annette was absolutely amazing, very helpful throughout this experience. She always spoke respectfully and made sure I understood everything before proceeding. Thank you Annette for all the help and support
Anette was amazing, very helpful, polite and understanding. Anette explained everything and always there if I needed anything.
Very helpful fantastic service 👏
Excellent customer service and really helpful and knowledgeable advice
Ben and team are easy to talk to no judgement And a great help
Great to deal with friendly people if I had any questions they answered them right away
Revive financial have been amazing from start to finish of my agreement. At first I hesitated to do the agreement but it has helped me so much. A special mention to my service specialist May who has been nothing but supportive and there throughout most of my debt agreement. Highly recommend Revive Financial
Would refer others in need to use
Very helpful and informative through the whole process
Very helpful with working things out with me
Hi I just want to share my experience so far with credit revive, I had the choice of credit repair Australia or credit revive, and I think i definitely made the right choice, credit repair Australia wanted to charge me almost double the amount I am paying with credit revive and i have been looked after very well, I have not one complaint and they took care of all my debts very swiftly and have taken a huge weight off my shoulders, I even think that the people I have dealt with are nicer and more polite and more understanding than credit repair Australia because from memory I had an argument or 2 and hung up on whoever I was talking to with credit repair Australia so i definitely recommend CREDIT REVIVE to anyone who is need of help and are struggling day to day with keeping up with your bills, I have been able to keep my brand new car that i would have surely lost by now if I wasn’t saved by credit revive I am very grateful for their support and services and i have already give them some sales pitches to friends and family in similar situations and I will continue to praise them and steer people in their direction if need be! Thank you for you support i appreciate it very much 😊🙏🏼
Very accomodating…shout out to Ms.Anette! She is very helpful,supportive from day one and superb.Thank you so much. Job well done!
John was very supportive and understanding
It was great working with Mason. So helpful.
Customer service is 100% Very happy
Ian was great to help me finalise my debts. Very understanding and worked with me when I had hard times during the process. Definitely would recommend Revive to everyone needing help consolidating debts.
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