How Tracey managed 20 accounts on one affordable fortnightly payment
Tracey’s story
After undergoing two surgeries in just eight weeks, Tracey and her partner faced a sudden and significant reduction in their household income. The situation compounded when her partner lost his job and was unable to find suitable employment due to his own medical circumstances. As the sole income earner supporting her partner and their four-year-old child, Tracey found herself trapped in a cycle of revolving credit. Multiple attempts to refinance failed, leaving her juggling 20 different accounts – including pay advances and high-interest cash loans – totalling over $47,000. We helped her secure an Informal Agreement, stopping the exorbitant interest rates and consolidating her obligations into one affordable fortnightly payment.
Age
41 years
Employment status
Full-time employed
Location
Victoria
Household type
De facto
Employment
HR manager
The solution
Comprehensive financial assessment
Practical guidance
Tailored solutions
Complete transparency
The result
Tracey successfully entered into an Informal Agreement, experiencing immediate relief from the pressure of 20 separate creditors. The outcome reduced her minimum repayment obligations by $1,697 a fortnight, stopped crippling interest rates, and provided a clear, manageable 4.6-year path to becoming entirely debt-free.
Consolidating unexpected family debt
A change in employment left Emma struggling to support herself and her son through his mental health challenges, accumulating $17,000 in debt across four creditors. Unable to refinance and determined to avoid bankruptcy, we set up an Informal Agreement that consolidated everything into a single, realistic repayment plan – protecting her property and keeping her finances on track.
Keeping the workshop open
When COVID hit, John’s mechanic workshop suffered a severe downturn, leaving him with $113,000 in debt across seven creditors. Unable to refinance and determined to avoid bankruptcy to protect his business and family, we negotiated a 5-year Informal Agreement – reducing his debt by 20% into a single affordable payment plan, keeping his business running and his livelihood intact.
How Simone resolved her failed business debts and cut repayments by 50%
How John managed $113,000 in debt and protected his mechanic’s workshop
How Amanda reduced her debt by 30% and regained financial stability
What our customers are saying
Staff truly care, answer every question, even the ones you didn’t think of. If you’re struggling with debt they’ll get your financial health back on track and you’ll feel like you can take control of your finances again. Incredible work, Francis has been great throughout my entire debt agreement and even now my debt Francis made sure I felt comfortable to approach them again if I need anything. 10/10
I had the pleasure of dealing with Connie Vargas she was exceptional 100 star rating✨️She explained the whole process thoroughly, friendly and very patient thank you Connie for your help very much appreciated🙂
Very friendly and easy to deal with. I was feeling very overwhelmed and Revive helped me put my finances back into manageable payments.
Cassandra has been fantastic to deal with and has made the process as seamless as possible. At a time when things felt completely out of my control, I greatly appreciated Cassandra’s assistance and genuine care and understanding.
Great friendly and helpful service 👌
Excellent customer service all the way from start to finish. Thank you very Mr Nick Smith. Will for sure recommend this company and its services & products. Kindly. Jack
very easy to contact and very fast response
Very easy to chat with and helped me understand everything i needed
I came to them 3 years ago, lost, in debt and didn’t see a way out. They immediately helped me and supported me. My repayments were tailored to my situation and they helped lower my cost phenomenally. Today I’ve finally finished with Revive a new person without debt due to their support and I can’t thank them enough and my financial future is looking very positive thanks to Revive. A big thank you to everyone who has helped me over these 3 years and a big shoutout to Francis for taking over my case and ending it with a positive note.
Very polite, clear, and understanding. Helped usbin a difficult situation
Very caring, helpful and efficient. Nothing was a problem Extremely supportive and payments were tailor made.
Jordyn was so helpful and caring during this process. Reaching out for help was the best thing I have done the constant stress & sleepless nights worrying about overdue bills is now being resolved.
They were really helpful and hands on whenever you needed someone to talk to .
I had Joseph as my person who helped me through it all he was always really nice and helped me with everything any time I needed it I’d recommend this dept consolidate to any one in financial hardships as it as allowed me and my partner to move out on our own and start our lives can’t say anything bad about revive financial
I highly recommend 👌 Georgia was absolutely brilliant and amazing how helpful and efficient she was in helping me throughout the whole process! Thankyou kindly.
Good quick service not judgemental as to why assistance is needed.
Fast and efficient service and support.
I highly recommend Revival Financial . The whole process was quick , easy and stress free. A special mention to Kylie, who has been absolutely wonderful , she is extremely supportive & always takes the time to explain everything clearly. Her communication has been excellent throughout and I always felt informed & comfortable with each step of the process .Thank you Kylie & team at Revival for making what could have been a daunting process feel so simple & manageable .Fantastic service from start to finish !
Extremely helpful
Related articles
