How Amy secured hardship relief on her debts while navigating homelessness
Amy’s story
Facing severe financial distress, Amy and her two children were living out of their car while waiting for secure housing. She was struggling to keep up with $550 in monthly repayments towards a secured personal loan and 'Buy Now, Pay Later' debts. Despite creditors rarely offering hardship relief on secured debts, we advocated strongly on Amy's behalf. We successfully negotiated a Revive Temporary Hardship Plan (THP), providing her with immediate relief from repayments so she could prioritise securing safe accommodation for her family.
Age
31 years
Employment status
Part-time employed
Location
New South Wales
Household type
Single mother, 2 dependents
Employment
Personal care worker
The challenge
Despite working and receiving Centrelink support, a severe housing crisis and unmanageable debt repayments left Amy trapped in an incredibly vulnerable situation.
The solution
Comprehensive financial assessment
Practical guidance
Tailored solutions
Complete transparency
The result
Amy successfully entered a Revive Temporary Hardship Plan in January. This immediately stopped her unaffordable $550 monthly repayments, removed the stress of creditor harassment, and gave her the crucial financial breathing space needed to focus entirely on finding safe, stable housing for herself and her children.
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 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 Nick paused $3,000 in monthly repayments to focus on finding employment
How Kristy & John saved 55% on their debt and kept their family home
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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