How Nick paused $3,000 in monthly repayments to focus on finding employment
Nick’s story
After losing his job, Nick, a single father, found himself unable to manage $10,000 in unsecured debt spread across eight payday loans. With his previous repayments totalling $3,000 a month, the financial pressure was immense while he actively searched for new employment. We helped Nick secure a Temporary Hardship Plan (THP), successfully negotiating a three-month pause on all payments. This crucial breathing space allowed him to focus on finding a job without the stress of mounting arrears.
Age
29 years
Employment status
Unemployed
Location
Western Australia
Household type
Single dad, 1 dependent
Employment
None
The challenge
Despite his best efforts to find work, Nick’s sudden unemployment and reliance on Centrelink left him trapped in an unmanageable cycle of high-interest debt with no assets to fall back on.
The solution
Comprehensive financial assessment
Practical guidance
Tailored solutions
Complete transparency
The result
Nick successfully entered into a Temporary Hardship Plan, experiencing immediate financial relief and peace of mind. The outcome eliminated the harassment from payday lenders and provided a realistic, stress-free three-month window to find employment and regain control of his financial future.
Securing urgent hardship relief
Facing homelessness with two young children, Amy was stretched beyond her means on a part-time income supplemented by Centrelink. With a secured Swoosh loan and Afterpay debt totalling $4,000, she was paying $550 a month – money she simply didn’t have. We secured hardship approval from Swoosh, who don’t typically offer relief on secured debts, giving Amy the breathing room she needed to focus on finding a home for her family.
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 Amy secured hardship relief on her debts while navigating homelessness
How Sarah reduced her debt by $25,000 and avoided Bankruptcy
What our customers are saying
It’s very easy and nice process to dissolve my issue and give me a relive thanks
Recently went threw revive to save me from potential colapse. For anyone struggling financially please contact zac from revive financial, zac has been an absolute legend. Making the process simple and stress free. I couldnt possibly thank him enough for the ongoing support and guidance throighout the process. Thank you so much for giving me back my life zac and revive team. Your are legends. Cheers
At a time where I felt lost and couldn't see a way out financially, I called Revive they were so helpful gave me options and eased my chaotic brain. Brilliant communication, explanations of each step ! I see a light at the end of the tunnel. Thanks revive financial you have made a difference in this person's life xx
Helps me relieved my stressful financial interests form other lenders. Helps me have all my bills in one payment and less interest. It gave me a chance to have financial freedom back. Revuve team Are very helpful and easy to communicates helps me with everything I need. Highly recommended
After struggling with bad a financial situation, the stress was really damaging my health and outlook. Tuanita was an absolute godsend and I truly mean that, the process went very smoothly and knowing I didn't have to deal with the people I owed money to was such a relief, wouldn't hesitate to recommend Revive to any person for sure
I had some amazing help from Nicole to get my finances in order. Such a stress relief and easy to sort out with their help.
Thanks for your help was helping me out with debt am was struggling financially sistuation
My customer service specialist was very knowledgeable and supportive. She was very understanding and compassionate to my circustances. Sharon was extremely helpful and supported me through the entire process.
I recieved amazing help from Sharon. She helped me combine all my debt and work out a repayment that worked best for me. As a stay at home mother of 2, struggling to find work while studying, this has been a massive relief off my shoulders
Had the best experience with Jordyn, she has been so helpful and so easy to deal with. She really made something that seemed so hard feel so easy. 10/10 recommend
I am extremely satisfied with the service Kylie provided. When I first came to you, I was struggling feeling frustrated, depressed and carrying so much stress. There were times during this past month that I felt like giving up, going through so much left me with little energy or drive to keep gathering documents and moving forward. But I am so deeply grateful Kylie was there every step of the way. She patiently guided me, walked me through every part of the process, and gave me 100% support exactly when I needed it most. Thanks to her care and dedication, I was finally able to get everything sorted and signed off today. I truly recommend this service to anyone needing help. Thank you so much, Kylie Bennison keep up the amazing work! Honestly, you deserve a gold medal for the difference you’ve made. I appreciate you more than words can say 🙏🏽✨
In particular I want to single out Connie for being kind and empathetic during this process.
Warranee was extremely helpful. Answered all my questions and made me feel at ease.
Sharon was so helpful through the whole process and made it so easy.
Very easy to deal with. Went above and beyond to help my situation. Would highly recommend.
Great communication,
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