How Sarah reduced her debt by $25,000 and avoided Bankruptcy
Key results at a glance
Sarah’s story
Sarah
QueenslandAfter losing her fiancé, Sarah was left with a $30,000 loan. With childcare costs, medical expenses, and the impact of COVID on the farming industry, her debts grew to almost $40,000 across five creditors. Exhausted from juggling everything alone, we helped her consolidate her debts into one affordable plan to avoid bankruptcy.
Age
35-year-old
Employment status
Full-time employed
Location
Queensland
Household type
Single, renting
Employment
Farmhand
The challenge
Despite working full-time, unexpected life events and compounding financial pressures left Sarah trapped in an unmanageable debt cycle.
Unexpected hardship
The tragic loss of her fiancé left Sarah solely responsible for a $30,000 loan.
Compounding expenses
Ongoing childcare costs for her young son, medical expenses, and industry disruptions pushed her total debt to $40,000.
Multiple creditors
Managing payments across five different creditors became an overwhelming administrative and financial burden.
Risk of Bankruptcy
The sheer volume of debt and the cost of raising her dependent alone put her at severe risk of declaring bankruptcy.
The solution
Comprehensive financial assessment
Practical guidance
Tailored solutions
Complete transparency
Why this approach worked
Getting started is easy and straightforward
Significant debt reduction
By establishing a Part 9 Debt Agreement, we successfully negotiated Sarah’s total obligations down from $40,000 to $15,000, instantly removing $25,000 of financial burden.
Simplified financial management
Instead of juggling five demanding creditors while caring for a toddler, Sarah now makes a single, affordable payment under one manageable plan, entirely avoiding the severe consequences of bankruptcy.
The result
Sarah successfully executed a Part IX (9) Debt Agreement, experiencing immediate financial relief and peace of mind. The outcome eliminated the threat of bankruptcy and provided a realistic, stress-free framework to become debt-free.
Halving family credit debt
When John’s health left him unable to work, the family relied on credit cards to survive, accumulating over $70,000 in debt. Unable to refinance their mortgage, we helped them establish a Part 9 Debt Agreement. This reduced their total debt by 55% into a single affordable monthly payment, ultimately saving their family home.
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.
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What our customers are saying
Easy stress free handling at such a stressful time
Professional and polite. Quiet relief that someone understands, I was surprised. I guess we all think we are the only ones struggling buta bit of empathy helps alot.
My experience with Revive Financial was very positive. Warranee was understanding, professional, and genuinely supportive. They explained everything clearly, kept communication open, and helped me feel more confident about getting back on track financially. I appreciated their respectful and non-judgmental approach, and I would recommend them to anyone needing financial guidance and support.
Great service and very helpful
I had an excellent experience with Revive Financial from start to finish. The team was professional, knowledgeable, and genuinely committed to helping me improve my financial situation. They took the time to explain everything clearly, answered all my questions, and tailored a solution that suited my needs rather than offering a one-size-fits-all approach. What stood out most was their transparency and support throughout the process — I always felt informed and confident in the decisions being made. Thanks to Revive Financial, I’m now in a much stronger and more stable position financially. I highly recommend their services to anyone looking for trustworthy and effective financial guidance. Thank you TEAM ❤️
I'm finding less stress & anxiety for the past few weeks since revive financial has taken on board my financial situation. Appreciate transparency & customer service
Great service! Able to help me understand every point, and made the process super simple
Fantastic job and great communication
Very helpful professional and kind, caring and understanding
I’ve had a great experience with Revive. Working with Connie consolidating unmanageable debt has given me peace of mind and an easy way to manage the stress of having manage a variety of debt.
Nick has been amazing in his guidance, advice and support. My case was actioned quickly and the process was smooth and uncomplicated. I would have no hesitation in recommending Revive Financial – high level of professionalism
Annette was absolutely amazing, very helpful throughout this experience. She always spoke respectfully and made sure I understood everything before proceeding. Thank you Annette for all the help and support
Anette was amazing, very helpful, polite and understanding. Anette explained everything and always there if I needed anything.
Very helpful fantastic service 👏
Excellent customer service and really helpful and knowledgeable advice
Ben and team are easy to talk to no judgement And a great help
Great to deal with friendly people if I had any questions they answered them right away
Revive financial have been amazing from start to finish of my agreement. At first I hesitated to do the agreement but it has helped me so much. A special mention to my service specialist May who has been nothing but supportive and there throughout most of my debt agreement. Highly recommend Revive Financial
Would refer others in need to use
Very helpful and informative through the whole process
