How Belinda escaped 9 debts and reduced her weekly repayments from $364 to $58
Key results at a glance
Belinda’s story
Belinda
New South WalesAfter recently separating from her partner, Belinda moved back in with her parents. She was left carrying unsecured debts obtained during her relationship, totalling $17,811 across nine different facilities. This included multiple payday loans charging crippling interest rates of up to 48% p.a. Facing daily phone calls and SMS messages from creditors, and struggling with unmanageable weekly repayments of $364, the situation was heavily impacting her wellbeing. We helped her consolidate her debts, pause the exorbitant interest, and stop the harassment through a Part 9 Debt Agreement.
Age
31 years
Employment status
Full-time employed
Location
New South Wales
Household type
Separated, living with parents
Employment
Receptionist
The challenge
Despite working full-time, the financial fallout from a recent separation left Belinda struggling to manage high-interest debts across multiple demanding lenders.
Relationship breakdown
After separating from her partner, Belinda was left to manage debts accumulated during the relationship on a single income.
Predatory interest rates
Her debt included multiple payday loans charging up to 48% p.a. in interest, making it incredibly difficult to make a dent in the principal amount.
Multiple creditors
Juggling nine different credit facilities resulted in an overwhelming financial burden of $364 in weekly repayments.
Constant harassment
Daily phone calls and SMS messages from aggressive creditors caused severe emotional and financial stress.
The solution
Comprehensive financial assessment
Practical guidance
Tailored solutions
Complete transparency
Why this approach worked
Getting started is easy and straightforward
Immediate cash flow relief
By negotiating a Part 9 Debt Agreement, we successfully reduced the weekly repayments from $364 down to just $58. This instantly freed up $306 a week, completely transforming her day-to-day cash flow.
Stopping the cycle of debt
Instead of battling nine separate creditors and suffocating under 48% interest rates, there is now a single, affordable payment plan. This completely stopped the daily harassment and paused all interest, ensuring every dollar paid actually goes towards clearing the debt.
The result
Belinda successfully entered into a Part IX (9) Debt Agreement, experiencing immediate relief from relentless creditor harassment. The outcome paused the crippling 48% interest rates, reduced the overall debt amount by over half, significantly improved her weekly cash flow, and provided a stress-free framework to move forward.
Additional benefits
Immediate legal protection from creditor harassment, phone calls, and SMS messages
Complete pause on high-interest charges, including predatory payday loans
Significantly improved weekly cash flow to cover daily living expenses comfortably
A realistic, legally binding timeline to become completely debt-free
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.
Consolidating single mother’s debt
After losing her fiancé, Sarah was left with loans, mounting childcare costs, medical expenses, and the added pressure of COVID’s impact on the farming industry – leaving her $40,000 in debt across five creditors. As a single mum working full-time, she was exhausted from juggling it all alone. We consolidated her debts into a single affordable plan through a Part 9 Debt Agreement, reducing her total debt by $25,000 and helping her avoid bankruptcy.
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How Sharon reduced her fortnightly repayments by $531 while working two jobs
How Mark reduced his debt by $17,000 and protected his family home
How Sarah reduced her debt by $25,000 and avoided Bankruptcy
What our customers are saying
I would like to say Thank you very much for helping me pay off all my debets. Thank you Thank you once again also to the manager who was looking after my account you have done a awsome job Thank you once again.
Very helpful and informative.
Amazing staff!! Process was quite effortless for a satisfying outcome. Thank you especially to Marisol
Revive has been fantastic. Always professional, understanding and supportive throughout the entire process. I am so grateful for their assistance. Thank you.
Good service
Very friendly staff and kept me updated every step of the way
I wouldn't think in million years I would be getting off from so many loans had to deal week by week until I found these beautiful lady Connie Vagras on Revive Financial. I just wanted to say thank you for getting me out of this situation. I have been struggling years and years trying to get my feet on the right spot. You're make my life alot more better now. You are so amazing with your services, very professional how you deal with the customers. We need more people like you in this world. Thank you so much for your assistance, and hope everything goes well in your future.
I had a wonderful experience working with Michelle. Her guidance was clear, patient, and genuinely supportive, making complex tasks feel manageable. She listened carefully, asked thoughtful questions, and provided practical solutions that boosted my confidence. I left the interaction feeling understood, valued, and well-equipped to move forward. Thank you, Michelle, for your excellent assistance!
Revive Financial was professional, helpful, and easy to work with. Their team (Annette) explained everything clearly and made the process simple and stress-free. Great customer service.
Excellent work/ people very helpful to everything and so professional.
I am very happy the service is so great specially with the broker who helped me with everything she very very good and work like professional Ms Tuanita Walsh Thank you so much
They helped me with my struggles so much and I really appreciated very much. Thank you to Nicolas (Nick) for all your help from the time i and my family went to Samoa to my father's funeral. You were able to hold all the payments until I got back. Thank you once again. Frances Leatua
I have been dealing with Nicole who has kept me in the loop throughout the journey and has kept me calm for what has been a stressful time in my life. No question has been ignored and at no point have I felt unsupported or lost. Nicole has been increadibly professional, transperant and only conveyed poistivity throughout my dealings with her. I would have no hesitation with recomending Revive or Nicole to any of my friends or family who need a way forward.
Kylie and Jesse have been very helpful and supportive
Anette was super helpful from start to finish. Compassionate and kind whilst offering different solutions.
Mason is very professional at her job and is very good explaining things to make it easy to understand
They are most helpful , very understanding and easy to talk to .
Excellent service and communication would highly recommend
Your too good
