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
Amazing help, great communication and was always there when I needed questions to ask
Revive Financial gave me the opportunity to work toward financial freedom, and I truly appreciate all the support I received throughout the process. A special thank you to Francis Borinaga for your outstanding assistance with my account. Your help was greatly appreciated!
Easy deal with and explain everything very clearly and can contact easily with out having to wait hours or days for someone to get back to you. Would highly recommend if you are struggling or getting advise on what could be a good way for you to go.
> ⭐⭐⭐⭐⭐ I can't recommend Revive Financial highly enough. From the very beginning, the entire process was handled with professionalism, kindness, and genuine care. A special thank you to Tuanita Walsh, who has been absolutely amazing throughout my journey. She took the time to explain everything clearly, kept me updated every step of the way, and always made me feel supported rather than judged. During what was a very stressful time financially, her compassion, patience, and reassurance made such a difference. It's rare to find someone who combines professionalism with such a personal touch. Tuanita genuinely cares about her clients and goes above and beyond to make the process as smooth and stress-free as possible. Thank you, Tuanita, and the team at Revive Financial, for helping me regain control of my finances. I truly appreciate everything you've done and wouldn't hesitate to recommend your services to anyone needing financial assistance.
These people were my saviours. After a messy divorce and an ex who ran all the credit cards up, left me in despair financially. This organisation were amazing and helped me work through it all, I lost alot but slowly getting back on top.
Michelle was very helpful throughout the process. Explained and helped me in detail with calmness and politeness.
I'm very happy with the result and money I saved per week going with revive thankyou for the help
I can’t thank you guys enough for the great service that i have received from you guys and it’s been hassle free and you guys have given me the opportunity to change my life and have helped me out when ever there’s been a problem thank you and a special thank you to Steph mama you deserve a 5star review
Nicole has been amazing to deal with at Revive finance! Super helpful and very patient! 10/10 recommend if your having financial issues!!
Joseph at Revive Financial was fantastic and understanding. I was battling Debt I could never seem to get on top off. My financial situation was dire with no near solutions. I can now see a much healthier and brighter financial future with the ability to save . This will change my life.
Very accommodating people really found a solution to all my problems
Team were amazing and patient throughout the whole process and made everything so easy. Really appreciate all their help and everything they are doing.
Very helpful.
Revive and especially Warranee were extremely helpful and professional.
Excellent service
Michelle has been absolutely wonderful throughout the entire process. She has been incredibly helpful, professional, and informative, always taking the time to explain everything clearly and answer any questions I had. Her patience, knowledge, and genuine care made what could have been a stressful experience so much easier. I truly appreciated her support and outstanding customer service. I highly recommend Michelle to anyone looking for someone who goes above and beyond. Thank you so much!
Quick & surprisingly easy
Annika was absolutely amazing. She helped me through the process and explained everything to me. Annika has been keeping me up to date with all that is happening. I can’t recommend them enough.very happy customer
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