How Belinda escaped 9 debts and reduced her weekly repayments from $364 to $58
Key results at a glance
Belinda’s story
Belinda
New South WalesAfter recently separating from her partner, Belinda moved back in with her parents. She was left carrying unsecured debts obtained during her relationship, totalling $17,811 across nine different facilities. This included multiple payday loans charging crippling interest rates of up to 48% p.a. Facing daily phone calls and SMS messages from creditors, and struggling with unmanageable weekly repayments of $364, the situation was heavily impacting her wellbeing. We helped her consolidate her debts, pause the exorbitant interest, and stop the harassment through a Part 9 Debt Agreement.
Age
31 years
Employment status
Full-time employed
Location
New South Wales
Household type
Separated, living with parents
Employment
Receptionist
The challenge
Despite working full-time, the financial fallout from a recent separation left Belinda struggling to manage high-interest debts across multiple demanding lenders.
Relationship breakdown
After separating from her partner, Belinda was left to manage debts accumulated during the relationship on a single income.
Predatory interest rates
Her debt included multiple payday loans charging up to 48% p.a. in interest, making it incredibly difficult to make a dent in the principal amount.
Multiple creditors
Juggling nine different credit facilities resulted in an overwhelming financial burden of $364 in weekly repayments.
Constant harassment
Daily phone calls and SMS messages from aggressive creditors caused severe emotional and financial stress.
The solution
Comprehensive financial assessment
Practical guidance
Tailored solutions
Complete transparency
Why this approach worked
Getting started is easy and straightforward
Immediate cash flow relief
By negotiating a Part 9 Debt Agreement, we successfully reduced the weekly repayments from $364 down to just $58. This instantly freed up $306 a week, completely transforming her day-to-day cash flow.
Stopping the cycle of debt
Instead of battling nine separate creditors and suffocating under 48% interest rates, there is now a single, affordable payment plan. This completely stopped the daily harassment and paused all interest, ensuring every dollar paid actually goes towards clearing the debt.
The result
Belinda successfully entered into a Part IX (9) Debt Agreement, experiencing immediate relief from relentless creditor harassment. The outcome paused the crippling 48% interest rates, reduced the overall debt amount by over half, significantly improved her weekly cash flow, and provided a stress-free framework to move forward.
Additional benefits
Immediate legal protection from creditor harassment, phone calls, and SMS messages
Complete pause on high-interest charges, including predatory payday loans
Significantly improved weekly cash flow to cover daily living expenses comfortably
A realistic, legally binding timeline to become completely debt-free
Protecting the family home
When serious health complications forced Mark to reduce his working hours, medical costs piled on top of his mortgage and family expenses, leaving him with over $46,000 in debt across four creditors. Worried about losing his home equity, we set up a Part 9 Debt Agreement to consolidate everything into a single affordable payment, reducing his total debt by $17,000 and protecting his family home.
Consolidating single mother’s debt
After losing her fiancé, Sarah was left with loans, mounting childcare costs, medical expenses, and the added pressure of COVID’s impact on the farming industry – leaving her $40,000 in debt across five creditors. As a single mum working full-time, she was exhausted from juggling it all alone. We consolidated her debts into a single affordable plan through a Part 9 Debt Agreement, reducing her total debt by $25,000 and helping her avoid bankruptcy.
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How Sharon reduced her fortnightly repayments by $531 while working two jobs
How Mark reduced his debt by $17,000 and protected his family home
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
