How Tom reduced his monthly repayments by $650 to manage cost of living pressures
Tom’s story
Despite working full-time in sales, rising cost-of-living pressures and unexpected expenses left Tom overcommitted on credit. Juggling four payday loans totalling $5,500, his $850 monthly repayments became entirely unmanageable. After an initial hardship period, Tom still required assistance to get back on track. We successfully negotiated an extended Temporary Hardship Plan (THP) with his creditors, drastically reducing his monthly obligations to just $200 for three months to provide vital short-term financial relief.
Age
50 years
Employment status
Full-time employed
Location
Victoria
Household type
Single
Employment
Sales
The challenge
Despite working full-time in sales, the rising cost of living and unexpected expenses left Tom trapped in an unmanageable cycle of short-term debt.
The solution
Comprehensive financial assessment
Creditor negotiation
Tailored short-term relief
Complete transparency
The result
Tom successfully entered his second Revive Temporary Hardship Plan, experiencing an immediate reduction in financial stress. All four creditors approved the heavily reduced payment plan, giving him three months of short-term relief to manage the rising cost of living and regain control of his budget.
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 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.
How Nick paused $3,000 in monthly repayments to focus on finding employment
How Amy secured hardship relief on her debts while navigating homelessness
How Mark reduced his debt by $17,000 and protected his family home
What our customers are saying
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,
They made me feel ok about making a mistake and gave me simple guidence to find a resaloution
Joseph has been awesome, professional and a great help to me during my time of financial distress. He made the impossible possible. Nothing is too troublesome for him. The team are friendly and helpful as well. Highly recommend Joseph.
Insanely supportive and helpful company. They’ve made the process super easy and fair, and have created a very manageable outcome. Mason and Ruth specifically in my case have both exceeded high levels of customer service.
I have had a really great experience with revive financial. They have been extremely supportive and my support has been Mason throughout the entire process and she has been fantastic
I really enjoyed my experience. Anette was incredibly helpful, friendly, and made everything easy to understand. They took the time to answer all my questions and provided excellent support throughout the process.
Fantastic service great help could not have done it without the whole team best choice i ever made thanks everyone that helped me achieve my debt free life
Understandingly considers real life circumstances and addresses personal situations with a target approach. Questions are well defined and realistic. Provides a great customer service with reliable and friendly staff. I highly recommend Revive Financial to anyone seeking financial assistance. Thanks
Connie has been so amazing to work with. She is so approachable and understanding and has made this process so smooth. She has helped above and beyond especially over the past 4 weeks with a traumatic experience I have been going through. I couldnt have done any of this without her support.
Very easy process and very helpful customer service!
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