How Sharon reduced her fortnightly repayments by $531 while working two jobs
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Sharon’s story
Sharon
New South WalesWhen Sharon started to suffer financially due to the increased cost of living, she had to choose between basic living expenses and paying her debts. Despite working two jobs as a Registered Nurse and a cleaner, she still couldn't make enough to cover her everyday expenses and financial obligations. Her debts—which included credit cards, an ATO debt, and various Buy Now Pay Later accounts—totalled over $33,000 across eight different creditors. Exhausted from the struggle, she reached out to Revive Financial. We helped her secure a much more affordable fortnightly payment through a Part 9 Debt Agreement.
Age
56 years
Employment status
Full-time employed
Location
New South Wales
Household type
De facto, no dependents
Employment
Registered nurse / cleaner
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
Comprehensive financial assessment
Practical guidance
Tailored solutions
Complete transparency
Why this approach worked
Getting started is easy and straightforward
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.
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.
Halving family credit debt
When John’s health left him unable to work, the family relied on credit cards to survive, accumulating over $70,000 in debt. Unable to refinance their mortgage, we helped them establish a Part 9 Debt Agreement. This reduced their total debt by 55% into a single affordable monthly payment, ultimately saving their family home.
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.
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Helping everyday Australians
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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.
