How Amy secured hardship relief on her debts while navigating homelessness
Amy’s story
Facing severe financial distress, Amy and her two children were living out of their car while waiting for secure housing. She was struggling to keep up with $550 in monthly repayments towards a secured personal loan and 'Buy Now, Pay Later' debts. Despite creditors rarely offering hardship relief on secured debts, we advocated strongly on Amy's behalf. We successfully negotiated a Revive Temporary Hardship Plan (THP), providing her with immediate relief from repayments so she could prioritise securing safe accommodation for her family.
Age
31 years
Employment status
Part-time employed
Location
New South Wales
Household type
Single mother, 2 dependents
Employment
Personal care worker
The challenge
Despite working and receiving Centrelink support, a severe housing crisis and unmanageable debt repayments left Amy trapped in an incredibly vulnerable situation.
The solution
Comprehensive financial assessment
Practical guidance
Tailored solutions
Complete transparency
The result
Amy successfully entered a Revive Temporary Hardship Plan in January. This immediately stopped her unaffordable $550 monthly repayments, removed the stress of creditor harassment, and gave her the crucial financial breathing space needed to focus entirely on finding safe, stable housing for herself and her children.
Pausing high-interest payday loans
Losing his job left Nick, a single father, overwhelmed by $10,000 across eight debts – mostly high-interest payday loans – with $3,000 in monthly repayments he could no longer afford. With no assets and relying on Centrelink, traditional debt solutions weren’t the right fit. We secured a Temporary Hardship Pause, giving him a 3-month break from all repayments so he could focus on getting back into work.
Securing short-term payment relief
Unexpected cost of living pressures left Tom, a full-time sales professional, overwhelmed by $5,500 across four payday loans. With no assets and no path to refinancing, we secured a Temporary Hardship Program, getting all creditors to approve a significantly reduced payment plan. His monthly repayments dropped from $850 to just $200, giving him the short-term relief he needed to regain financial footing.
How Tom reduced his monthly repayments by $650 to manage cost of living pressures
How Nick paused $3,000 in monthly repayments to focus on finding employment
How Kristy & John saved 55% on their debt and kept their family home
What our customers are saying
Very helpful and eased a lot of my financial stress
The folks here have been very helpful. I couldn't be happier.
Thank you to Sarah who was amazing through the whole process
The stress lift was instant, the only mistake was me , i should have reached out sooner , life changing . THANK YOU THANK YOU
All relativlly smooth
Revive Financial are a professional company, providing excellent services and advice. Their staff are friendly and providing excellent financial reviving services.
Revive financial were magnificent in the way that they were able to sort everything out for me and all the support and help throughout. If you ever need assistance please I thoroughly recommend them.
Amazing customer service and made the whole situation so easy for me, do reccomend
I found the process a bit overwhelming but was put at ease, with the service I received. I thought it would be a difficult process but with a lot of guidance and patience from Revive the overall experience was great.
I honestly can’t thanks Cloe night, she was patient, caring and thorough. I felt supported and that she really cared! This has changed my life, I no longer have the stress of where I will find the money to pay my debts! Thank you from the bottom of my heart 🙂
Sarah has been very helpful and quick with responding great to work with
I cannot thank Revive financial enough for their life changing help. From the very first phone call, Nick Smith was incredible empathetic , patient and professional. They took away the crushing weight of my debt and made me feel cared for rather than judged. Highly recommended Revive financial and Nick Smith😊
Really positive experience. Very helpfulful and my many question were always answered very fast
I can’t recommend Revive highly enough. Before contacting them, I felt like I was drowning in debt and had no idea where to start. The stress was overwhelming, and I was embarrassed about my situation. From the very first conversation, the team made me feel comfortable and never judged me. They explained everything in simple terms and made the whole process incredibly easy to understand. What I thought would be complicated and stressful turned out to be straightforward and manageable. The biggest surprise was how quickly the weight started to lift off my shoulders once I had a plan in place. The process wasn’t embarrassing at all—in fact, it was a huge relief talking to people who genuinely wanted to help. If you’re struggling with debt and feeling overwhelmed, don’t put it off. Reaching out to Revive was one of the best decisions I’ve made
Cloe was amazing
Staff are friendly and very helpful. Got me through a tough financial time …. Highly recommended
Outstanding Customer Service
Mason was incredibly amazing and so understanding. It made everything go so much smoother
They are fantastic to work with. Efficient and professional with caring about your situation. Every step of the way is explained and you feel like you're able to breathe again. Great 👍
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