Case study

How Sharon reduced her fortnightly repayments by $531 while working two jobs

Part IX (9) Debt Agreement
Initial debt
$33,033
Outcome
Debt free
in three years

Key results at a glance

Results that speak for themselves
$33,033
Total debt consolidated
$531
Fortnightly repayment reduction
1
Manageable repayment plan

The challenge

Despite working two jobs, the rising cost of living left Sharon trapped in a stressful cycle, forcing her to choose between paying for basic necessities or servicing her debt.

Cost of living pressures

Increased daily expenses meant Sharon’s dual income was no longer enough to cover the basics alongside her debt obligations.

Compounding expenses

Debts quickly accumulated across credit cards, the ATO, and Buy Now Pay Later services.

Multiple creditors

Managing payments across eight different accounts (including Plenti, Zip, Kogan, Afterpay, and CCFS) became an overwhelming administrative burden.

Unsustainable repayments

Her required minimum repayments had reached a crippling $791 per fortnight, making it impossible to get ahead.

The solution

After reviewing Sharon’s situation, we identified that a Part IX (9) Debt Agreement would provide immediate relief from her high fortnightly repayments and consolidate her accounts into one manageable plan.

Comprehensive financial assessment

We evaluated Sharon’s income from both of her jobs, the impact of current living costs, and her debt spread across eight creditors.

Practical guidance

We provided a clear, non-judgemental overview of how a Part 9 Debt Agreement could legally consolidate her various accounts and ATO debt.

Tailored solutions

We negotiated directly with her creditors to slash her required minimums from $791 down to just $260 a fortnight, reducing her total debt to $20,020.

Complete transparency

We ensured Sharon understood the terms of her new repayment plan and the exact three-year timeline for her financial recovery.

Why this approach worked

Getting started is easy and straightforward

Reason 1

Drastic repayment reduction

By establishing a Debt Agreement, we successfully reduced Sharon’s fortnightly obligations by $531. Dropping her payments from $791 to an affordable $260 instantly freed up vital cash flow for her essential living expenses.

Reason 2

Simplified financial management

Instead of juggling eight demanding creditors and Buy Now Pay Later accounts while working two jobs, Sharon now makes a single, affordable payment under one manageable plan, entirely removing the stress of falling behind.

The result

Sharon successfully executed a Part IX (9) Debt Agreement, experiencing immediate financial relief and peace of mind. The outcome eliminated the stress of choosing between groceries and bills, lowered her total debt, and provided a realistic, stress-free framework to become debt-free in three years.

Before
After
Improvement
Total debt
$33,033
$20,020
$13,013 reduced
Fortnightly repayments
$791
$260
$531 saved per fortnight
Financial status
Choosing between basic needs and debt
Cash flow freed up
Secured financial future
Administrative burden
High (juggling 8 creditors)
Low (1 single repayment)
Time and stress saved

Additional benefits

A comprehensive approach to your financial recovery

A comprehensive approach to your financial recovery

Improved credit management through a consistent single payment history

Mental clarity and reduced financial stress

On track to be completely debt-free in three years

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I found the process a bit overwhelming but was put at ease, with the service I received. I thought it would be a difficult process but with a lot of guidance and patience from Revive the overall experience was great.

Anonymous
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I honestly can’t thanks Cloe night, she was patient, caring and thorough. I felt supported and that she really cared! This has changed my life, I no longer have the stress of where I will find the money to pay my debts! Thank you from the bottom of my heart 🙂

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Sally Tarquinio
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I can’t recommend Revive highly enough. Before contacting them, I felt like I was drowning in debt and had no idea where to start. The stress was overwhelming, and I was embarrassed about my situation. From the very first conversation, the team made me feel comfortable and never judged me. They explained everything in simple terms and made the whole process incredibly easy to understand. What I thought would be complicated and stressful turned out to be straightforward and manageable. The biggest surprise was how quickly the weight started to lift off my shoulders once I had a plan in place. The process wasn’t embarrassing at all—in fact, it was a huge relief talking to people who genuinely wanted to help. If you’re struggling with debt and feeling overwhelmed, don’t put it off. Reaching out to Revive was one of the best decisions I’ve made

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Jan Hart
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Mason was incredibly amazing and so understanding. It made everything go so much smoother

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