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
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
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