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
Great experience they called when things had to be done and fixed everything asap
The process was tough but with a great support from the staff it was worthy
I am very happy with the service provided by Revive Financial. Nicole has been very helpful, patient and professional throughout the process. She explained everything clearly and made the process much easier for me. I really appreciate her support and assistance. Thank you so much, Nicole!
Connie was absolutely amazing and very helpful through the whole process
A complete financial assistance service.
Absolutely amazing from the start. Excellent communication and very accommodating.
I had an excellent experience with Revive Financial from start to finish. Annette was incredibly informative, professional, and always took the time to explain each step of the process clearly. Her support, regular communication, and genuine understanding made what felt like a stressful situation much easier to manage. The entire team was friendly, responsive, and committed to finding the best outcome for my circumstances. I highly recommend Revive Financial to anyone looking for expert guidance and outstanding customer service
I am not very organised nor do I have very much time to do My finances. As a single mum of 3 and working full time i needed help. Donna was absolutely amazing, she was patient and guided me to great solution. Thankyou Donna, greatly appreciate you
I had an absolutely outstanding experience with Anette Carter, Customer Success Specialist at Revive Financial. From the very beginning, Anette made a genuine and lasting impression on me through her kindness, patience, professionalism, and sincere willingness to help. Dealing with personal financial matters can sometimes feel overwhelming and stressful, but Anette made me feel comfortable, understood, and supported throughout the process. She took the time to listen without judgment, showed genuine empathy towards my circumstances, and explained everything clearly and thoughtfully. Her approachable nature and reassuring communication made a real difference to my experience and gave me greater confidence and peace of mind. What stood out most was that Anette made me feel like more than just another client. She treated me with respect, compassion, and understanding, demonstrating that she genuinely cares about the people she helps. Her ability to combine professionalism with such a personal and caring approach is truly special. It is rare to come across someone who makes such a positive difference through their work, but Anette did exactly that. Her support was not only appreciated but also made what could have been a difficult experience feel much more manageable and reassuring. I would like to sincerely thank Anette for her exceptional service, genuine compassion, and dedication. She is a real credit to Revive Financial, and I hope her efforts and the positive impact she has on her clients are recognised and appreciated. Employees like Anette make a meaningful difference in people’s lives, and I cannot thank her enough for the outstanding experience she provided. Anette, thank you for making me feel heard, respected, and genuinely supported. Your kindness and professionalism have left a lasting positive impression on me. You are a wonderful representative of Revive Financial, and your efforts truly deserve recognition.
Very helpful , explain clearly, response every questions , excellent customer service
Very supportive, efficient friendly help from the beginning. Thank you especially tp my consultant Jordyn for sticking with me!
After covid I was in real trouble financially. Revive along with United Care absolutely saves me. They were wonderful to deal with and changed my life. Thank you so much. Cannot recommend highly eniugh
Miss or Mrs Anette, She is very very very good good great to have communication with and she is meant to be in this platform as she knows the people situation and understands very well and her approach towards me was like a own sister and I loved it and the God bless her in her life and she have a best skill to approach and thank you so much for making my shoulder burdens lift to revive finances to and her. Thank you all.
Fabulous customer service and always keeps you updated with the progress. Highly recommend.
Great friendly team great service with no pressure They make it easy to get ypu back on track
Warranee listened and it was for the first time someone was able to relieve my stress. Process was explained very well. The approach was without judgement and helpful
Able to assist quickly
Very pleased with Warrenee , the way she has handled my documents and Finace making it a smooth and easy process
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