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Relieve the Strain of Mounting Debts with one of our Debt Management Solutions

Are you facing escalating personal debt from credit cards or payday loans and struggling to make your repayments each month? If the answer is yes, you may be able to get on top of it and relieve the mental strain with one of our Debt Management Solutions.

Our Debt Management Solutions are flexible arrangements designed to help you pay off your debt. They can offer an alternative to bankruptcy by pausing interest and protecting your assets, ultimately reducing your overall debt amounts and the associated pressure.

Our Debt Management Solutions are best suited for those who can’t afford to pay their debts. While it reduces your monthly debt payments, you still need to make budget-realistic payments each month over a fixed period until your debts are cleared. Our team can help you decide which Debt Management Solution is right for you.

Benefits of some of our Debt Management Solutions:

  • Single Monthly Payment: Combine all your debts into one easy-to-manage payment.
  • Affordable Payments: Reduce your monthly financial burden with tailored, affordable payments.
  • Interest and Fee Reduction: Potentially lower or pause interest rates and fees.
  • Clear Path to Debt Freedom: Follow a structured plan to pay off your debts.
Staying on target

A Secure Financial Future, With A Tailored Personal Debt Solution

Part IX (9) Debt Agreements Icon

Debt Agreement

A Part IX (9) Debt Agreement offers a legal, binding solution to help you regain control of your finances. This agreement, made under Part IX (9) of the Bankruptcy Act 1966, allows you to create a new, affordable payment plan for your unsecured debts.

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Informal Agreement

Informal Agreement

If the mounting debts in your life are crushing your hopes of ever gaining financial stability – an Informal Agreement might be for you. An Informal Agreement is a debt management solution negotiated with creditors to reduce debt and pause interest over a fixed repayment term.

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Temporary Hardship Plan Icon

Temporary Hardship Plan

Our Temporary Hardship Plan is a simple 3-month repayment solution to provide temporary debt relief when you need it most!

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Debt Consolidation Icon


Consolidate your debts into a new personal loan to pay out your existing debts and alleviate debt stress with one, easy-to-manage repayment.

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Personal Insolvency Agreement Icon

Personal Insolvency Agreement

You may be able to take advantage of a Personal Insolvency Agreement (“PIA“) before considering bankruptcy.

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Bankruptcy Icon


Make a fresh start by releasing your responsibility from your unsecured debts. Appoint a registered Bankruptcy Trustee to handle your estate.

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Mortgage Icon


Refinance your current home loan to leverage equity, consolidate your credit card debts and personal loans, reduce fees, and alleviate stress.

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Budgeting Icon


Take advantage of advice, tips and tricks from our financial professionals through budgeting services to help rebuild a positive financial future.

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The debt management solution process

Submit Application

Submit an application for your personalised debt relief solution to stabilise your position, stop the harassing calls and letters, and begin your journey towards financial freedom.

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Implement Solution

Your personal customer success specialist will manage your creditor negotiations & relationships to deliver a positive solution tailored to your circumstances.

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Take Back Control

Enjoy one easy-to-manage solution to clear your unmanageable debts and start building a positive financial future today.

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Hear From Our Customers

Kristy & John

Debt Management Solution

$70,000 in Credit Card Debt

Married – 3 Children

Mental Health Struggles

Find out how we helped Kristy & John

Our Solution

Helping Kristy & John With Their Debt

Unsure what to do or where to turn, Kristy gave us a call. After a free initial consultation, we determined that a Part IX (9) Debt Agreement was their best option. We assessed their income and expenses and found that they could clear the debts in five years by repaying $550 a month.

We negotiated the terms with Kristy and John's creditors on their behalf in order to get the plan agreed. This involved explaining to creditors in detail what they could afford and the timeframe for repayment.

Positive Outcome

Kristy & John Find Stability

55% Debt Reduction

Their creditors agreed to the arrangement had to pay back only 45% of their total debt.

Stress-Free Recovery

Without the financial stress, they were able to focus on their return to health.

The Impossible Was Possible

They could repay their debts at an affordable amount, reducing the pressure.

You're In Safe Hands

Non-judgmental Icon


At Revive Financial, we care about the stress and impact being in debt has on your wellbeing. We want to help you take back control with no judgement, just a helping hand.

Professional Icon

Financial Professionals

Revive Financial is proudly Australian owned and lead by a team of Chartered Accountants. Our qualified team have been helping Australians become debt free since 2005.

Tailored Solutions

Industry Leaders

Our dedicated team have been trusted by over 10,000 Australians to help take back control of their financial futures. It's what we do best so you can rest assured.

Our Customers Love Us

Download Our eBook

Learn how to turn negative to positive today with a FREE ebook produced by our team of finance professionals, just for you. This helpful guide outlays all of the debt management options available and will assist you in understanding how you can take back control of your financial future.

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Thank you for downloading our eBook. A copy has also been emailed to the address provided.

Frequently Asked Questions

What type of debts can I include in my Debt Management Solution?

Our Debt Management Solutions typically include your unsecured debts like credit cards, personal loans, payday loans, ATO debts, some Centrelink debts, and outstanding utility and phone bills.

Part IX (9) Debt Agreements cannot include certain fines, penalties, HECS debts, and some Centrelink debts.

Can I include secured creditors in my Debt Management Solution?


The Debt Management Solutions we generally recommend do not include secured creditors like home loans, some car loans, or other loans secured by property.

However, as part of the overall solution, we may suggest a refinance of your home loan, debt consolidation or a negotiation with your lenders to achieve a better interest rate or lower repayment.

How long will my Debt Management Solution take to complete?

Most solutions last between 3 to 5 years.

The length of your Debt Management Solution depends on your debt level, budget, and creditors. Negotiations with creditors can vary, which might affect the length of your solution.

The type of agreement you enter into with creditors may also impact the length of your solution.

Can I pay more if my situation improves or pay out my Creditors early?


You can increase your repayments anytime if your financial situation improves. Extra funds can be used to pay creditors more each month or saved in a Trust Account to offer a lump sum settlement. There are no penalties for paying off your debts early.

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