How Belinda escaped 9 debts and reduced her weekly repayments from $364 to $58
Key results at a glance
Belinda’s story
Belinda
New South WalesAfter recently separating from her partner, Belinda moved back in with her parents. She was left carrying unsecured debts obtained during her relationship, totalling $17,811 across nine different facilities. This included multiple payday loans charging crippling interest rates of up to 48% p.a. Facing daily phone calls and SMS messages from creditors, and struggling with unmanageable weekly repayments of $364, the situation was heavily impacting her wellbeing. We helped her consolidate her debts, pause the exorbitant interest, and stop the harassment through a Part 9 Debt Agreement.
Age
31 years
Employment status
Full-time employed
Location
New South Wales
Household type
Separated, living with parents
Employment
Receptionist
The challenge
Despite working full-time, the financial fallout from a recent separation left Belinda struggling to manage high-interest debts across multiple demanding lenders.
Relationship breakdown
After separating from her partner, Belinda was left to manage debts accumulated during the relationship on a single income.
Predatory interest rates
Her debt included multiple payday loans charging up to 48% p.a. in interest, making it incredibly difficult to make a dent in the principal amount.
Multiple creditors
Juggling nine different credit facilities resulted in an overwhelming financial burden of $364 in weekly repayments.
Constant harassment
Daily phone calls and SMS messages from aggressive creditors caused severe emotional and financial stress.
The solution
Comprehensive financial assessment
Practical guidance
Tailored solutions
Complete transparency
Why this approach worked
Getting started is easy and straightforward
Immediate cash flow relief
By negotiating a Part 9 Debt Agreement, we successfully reduced the weekly repayments from $364 down to just $58. This instantly freed up $306 a week, completely transforming her day-to-day cash flow.
Stopping the cycle of debt
Instead of battling nine separate creditors and suffocating under 48% interest rates, there is now a single, affordable payment plan. This completely stopped the daily harassment and paused all interest, ensuring every dollar paid actually goes towards clearing the debt.
The result
Belinda successfully entered into a Part IX (9) Debt Agreement, experiencing immediate relief from relentless creditor harassment. The outcome paused the crippling 48% interest rates, reduced the overall debt amount by over half, significantly improved her weekly cash flow, and provided a stress-free framework to move forward.
Additional benefits
Immediate legal protection from creditor harassment, phone calls, and SMS messages
Complete pause on high-interest charges, including predatory payday loans
Significantly improved weekly cash flow to cover daily living expenses comfortably
A realistic, legally binding timeline to become completely debt-free
Protecting the family home
When serious health complications forced Mark to reduce his working hours, medical costs piled on top of his mortgage and family expenses, leaving him with over $46,000 in debt across four creditors. Worried about losing his home equity, we set up a Part 9 Debt Agreement to consolidate everything into a single affordable payment, reducing his total debt by $17,000 and protecting his family home.
Consolidating single mother’s debt
After losing her fiancé, Sarah was left with loans, mounting childcare costs, medical expenses, and the added pressure of COVID’s impact on the farming industry – leaving her $40,000 in debt across five creditors. As a single mum working full-time, she was exhausted from juggling it all alone. We consolidated her debts into a single affordable plan through a Part 9 Debt Agreement, reducing her total debt by $25,000 and helping her avoid bankruptcy.
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How Sharon reduced her fortnightly repayments by $531 while working two jobs
How Mark reduced his debt by $17,000 and protected his family home
How Sarah reduced her debt by $25,000 and avoided Bankruptcy
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.
