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
Very helpful consolidating my bills into one. Very happy with the final outcome of being debt free. They helped me make repayments more affordable.
Very happy with my outcome Nick was very helpful taking me step-by-step which made it very easy thank you Nick for helping me
Very understandable when it comes situations, very easy and fast
Verry great would recommend
The staff at at Revive Financial were amazing and helped me through a very tough time. At any time where I needed information or just checking how everything was going, they were always so nice and understanding. My debt has been finalised and it feels great, the whole procedure was so easy and they took care of everything for me and I’m so grateful🙂
Highly recommend if you find yourself in a financial rut. Shanel is super at her job and everything was completed promptly 10/10
First rate
Mason has been so incredibly helpful and knowledgeable on getting me the best financial experience possible. She’s helped relieve majority of my financial stress during this hard medical time in my life. Thanks Mason ☺️
I found it a pleasure to get my financial struggles sorted the team who took the time to help me where very helpful and kind thanks revive financial.
Michelle Szabo has been amazing. She took control of everything for me and finally I can sleep at night knowing I have a commited plan in place.
Absolutely top tier, I even wrote them off as a another fraud company, they went above and beyond to prove me wrong and I’m super stoked that they did and Ben my contact throughout the entire process was just an absolute legend. I couldn’t thank them enough.
Annika was so great to deal with! Very professional and very helpful! Would recommend her 100%
Best decision I've ever made. I am finally debt free!! Thankyou for your ongoing support, I genuinely couldn't have done it without you. If you're looking for a sign, this is it.
When life become financially unfriendly ,it’s killing me mentally ,effecting my performance as professional and as person ,I decide to give myself free from this nasty creditor phone calls ,chasing me everyday with they nasty legal threats ,in the end of the day ,my mental wellbeing must come first , and worth more then any money in this world ! That’s why I take this consequences in order to give my self better success as soon as clear my self from this toxid debt collectors .
Amazing how simple the process was made Thank you Mason for taking the financial pressure of me
Amazing customer service! A special thank you to Annette for being so patient, understanding and supportive throughout the whole process. She took the time to answer all of my questions, explain everything clearly and made me feel comfortable every step of the way. I truly appreciate all of her help and support. Highly recommend! ❤️
From start to finish was very easy and straight forward. I appreciated all the help and would recommend your first port of call to revive financial for their help and guidance. Thank you all at Revive. Richard
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