4.9rating from over 4,900+ customers

Behind on your bills in Australia?

Access help to save money and meet debt payments when you’re behind on bills. Revive Financial is here to get you back on track.

Help when you’re behind on bills

When you’re already living paycheck to paycheck, unpaid bills can quickly lead to mounting fees and added financial pressure. With the rising cost of living, it can become harder to keep up – but Revive Financial is here to help you regain control.

Expensive debts

Overdue bills and expensive loan repayments make it hard to keep up with payments.

Interest keeps accumulating

Even when you get behind on bills, the interest on your debts keeps growing, increasing your overall debt total.

Credit rating damage

Your credit rating starts to worsen as you struggle to keep up with unmanageable debts.

Legal action risk

If you fall too far behind on bills, you may risk legal action for persistent non-payment.

See if you’re eligible for help if you’re behind

Get a free assessment with Revive Financial. We provide fast, trusted access to proven debt solutions.

Prevent financial hardship

Tackle your debts and rebuild your finances with tailored debt solutions, including structured repayment plans and support from our Success Specialists.

Access debt solutions

Tackle issues now to avoid late fees, compounding interest, and damage to your credit rating.

Confidential support

Our Success Specialists offer a confidential service to help you work towards a stronger financial future.

Revive process

Get a free debt management assessment today

At Revive Financial, we’re here for you, with debt solutions that help you rebuild your finances.

Submit application

During your free assessment, our Success Specialists will determine your eligibility and the best debt solution for your needs.

Implement solution

Take the first step toward regaining financial control with debt solutions managed on your behalf.

Take back control

Get personalised support tailored to your circumstances and begin your journey towards more stable financial control.

Explore debt solutions for your situation

Improve your financial situation with our debt solutions. Revive Financial can help you through their debt management solutions, such as:

Revive Temporary Hardship Plan

Temporary debt relief designed to give you breathing room on your unsecured debts so you can focus where you need to and resume them down the line.

Part IX (9) Debt Agreement

A Part 9 Debt Agreement offers a legal, binding solution to tackle financial hardship.

Informal Agreement

Informal Agreements offer the ability to work directly with creditors to manage debts without entering a formal insolvency process.

Part X (10) Personal Insolvency Agreement

If your financial hardship involves complexities around assets sales or lump sums, a Personal Insolvency Agreement may be a suitable solution.

Debt consolidation

Swap expensive loan repayments for one single, affordable consolidation payment.

Business debt

If your business debts have become personal, we can help you understand the options and take control of your financial situation.

Want to learn more?

Explore our Knowledge Centre guides to learn more about how you can get out of debt.

Discover debt solution savings

Use our calculator to see how much you could save with Revive’s debt solutions.

Debt type
Debt amount
Interest
Repayment amount
Repayment frequency
Debt type
Debt amount
Interest
Repayment amount
Repayment frequency

Your results

Debt management solution
$0
per Month
3 year term
Subject to eligibility and can be extended to a 5 or 7 year term dependent on individual circumstances.
Debt consolidation loan
$0
per Month
5 year term
Subject to eligibility and a customer’s financial circumstances.
Current repayment
$0
per Month

Helping you take back financial control

As a responsible debt solutions company, we help our customers get their finances back on track.

What you should do
What you should avoid
Missed a payment?
Contact the provider straight away
Ignoring overdue notices
Multiple overdue bills?
Prioritise essential expenses first
Paying non-essentials before essentials
Can’t afford full payments?
Request a hardship arrangement
Agreeing to unaffordable repayments
Getting reminder calls?
Respond and keep communication open
Avoiding calls or correspondence
Unsure what to pay first?
Create a simple payment plan
Paying randomly without a plan
Fees or penalties adding up?
Ask about fee waivers or pauses
Letting fees accumulate unchecked
Ongoing financial stress?
Seek free financial counselling
Trying to manage everything alone
Why choose Revive Financial?

We’re Australia’s leading debt solution provider.

4.9 / 5 rating

From over 4,900 reviews

39,000+

Lives transformed

20+ years

Helping everyday Australians

Get a free debt assessment today

Our Success Specialists are here to guide you through your debt solution options. Move away from financial worries and money stress today.

Frequently asked questions

Our more commonly asked questions about being behind on bills answered.

If you get behind on bills, it’s important to speak to an expert at the earliest opportunity. Revive Financial offers a range of debt solutions that – if eligible – can help you get back on track.