Case study

How Sharon reduced her fortnightly repayments by $531 while working two jobs

Part IX (9) Debt Agreement
Initial debt
$33,033
Outcome
Debt free
in three years

Key results at a glance

Results that speak for themselves
$33,033
Total debt consolidated
$531
Fortnightly repayment reduction
1
Manageable repayment plan

The challenge

Despite working two jobs, the rising cost of living left Sharon trapped in a stressful cycle, forcing her to choose between paying for basic necessities or servicing her debt.

Cost of living pressures

Increased daily expenses meant Sharon’s dual income was no longer enough to cover the basics alongside her debt obligations.

Compounding expenses

Debts quickly accumulated across credit cards, the ATO, and Buy Now Pay Later services.

Multiple creditors

Managing payments across eight different accounts (including Plenti, Zip, Kogan, Afterpay, and CCFS) became an overwhelming administrative burden.

Unsustainable repayments

Her required minimum repayments had reached a crippling $791 per fortnight, making it impossible to get ahead.

The solution

After reviewing Sharon’s situation, we identified that a Part IX (9) Debt Agreement would provide immediate relief from her high fortnightly repayments and consolidate her accounts into one manageable plan.

Comprehensive financial assessment

We evaluated Sharon’s income from both of her jobs, the impact of current living costs, and her debt spread across eight creditors.

Practical guidance

We provided a clear, non-judgemental overview of how a Part 9 Debt Agreement could legally consolidate her various accounts and ATO debt.

Tailored solutions

We negotiated directly with her creditors to slash her required minimums from $791 down to just $260 a fortnight, reducing her total debt to $20,020.

Complete transparency

We ensured Sharon understood the terms of her new repayment plan and the exact three-year timeline for her financial recovery.

Why this approach worked

Getting started is easy and straightforward

Reason 1

Drastic repayment reduction

By establishing a Debt Agreement, we successfully reduced Sharon’s fortnightly obligations by $531. Dropping her payments from $791 to an affordable $260 instantly freed up vital cash flow for her essential living expenses.

Reason 2

Simplified financial management

Instead of juggling eight demanding creditors and Buy Now Pay Later accounts while working two jobs, Sharon now makes a single, affordable payment under one manageable plan, entirely removing the stress of falling behind.

The result

Sharon successfully executed a Part IX (9) Debt Agreement, experiencing immediate financial relief and peace of mind. The outcome eliminated the stress of choosing between groceries and bills, lowered her total debt, and provided a realistic, stress-free framework to become debt-free in three years.

Before
After
Improvement
Total debt
$33,033
$20,020
$13,013 reduced
Fortnightly repayments
$791
$260
$531 saved per fortnight
Financial status
Choosing between basic needs and debt
Cash flow freed up
Secured financial future
Administrative burden
High (juggling 8 creditors)
Low (1 single repayment)
Time and stress saved

Additional benefits

A comprehensive approach to your financial recovery

A comprehensive approach to your financial recovery

Improved credit management through a consistent single payment history

Mental clarity and reduced financial stress

On track to be completely debt-free in three years

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What our customers are saying

Easy stress free handling at such a stressful time

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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.

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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 ❤️

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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

K5 Tafea
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Great service! Able to help me understand every point, and made the process super simple

Ethan
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Fantastic job and great communication

Shaun
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Very helpful professional and kind, caring and understanding

Cherie
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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.

Anonymous
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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

Anonymous
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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

Jakob
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Anette was amazing, very helpful, polite and understanding. Anette explained everything and always there if I needed anything.

Anonymous
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Very helpful fantastic service 👏

Michael
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Excellent customer service and really helpful and knowledgeable advice

Andrew Target
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Ben and team are easy to talk to no judgement And a great help

Cengiz
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Great to deal with friendly people if I had any questions they answered them right away

Anonymous
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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

Anonymous
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Would refer others in need to use

Anonymous
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Very helpful and informative through the whole process

Anonymous
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