Success Stories

I found myself in financial difficulty following a relationship breakdown, which left me responsible for covering all household expenses on my own. This change placed immediate pressure

I found myself in financial difficulty after leaving full-time employment to start my own business. In the early stages, income was minimal while I worked to build a client base, & things were extremely tight. 

My financial difficulties began when I was younger and made poor financial decisions that left me with significant debt. At the time, I did not fully understand the long-term impact of these choices.

I found myself in financial difficulty following the loss of my father eight months ago. During the period surrounding his passing, the funeral, & the grieving process, I struggled emotionally & my mental health declined. At that time, I made poor financial decisions & spent recklessly as I was not coping well, which led to my finances getting out of control. 

I found myself in financial difficulty following a period of serious ill health. I underwent open-heart surgery and spent a long time at home alone during my recovery, which had a negative impact on my mental health due to the lack of regular contact with others. 

I found myself in financial difficulty after a series of significant personal challenges. I’ve always struggled with maths & managing money, and this became much harder to cope with after separating from my long term partner in 2023. From that point on, all household expenses became my responsibility while I was also adjusting to being a single parent. 

My financial situation began to deteriorate after my partner became unemployed for an extended period. As the primary income earner during this time, i did everything i could to keep our household afloat, b

Due to a workplace injury, I was placed on reduced income while receiving WorkCover payments. This sudden change in my financial situation made it difficult to keep up with regular expenses and debt obligations. 

Over the past year, I’ve faced a series of challenges that have deeply impacted my financial stability. I transitioned into a lower-paying role in an effort to support my family, following the passing of a close relative.  

Following the passing of my mother, I was faced with sudden and significant financial strain. I had to leave further studies, which added to the burden, and I am now doing my best to support my young family as a single parent, while also assisting relatives abroad during this difficult time. 

Over the past few years, I have faced a series of financial challenges that have made it increasingly difficult to manage my debts. Initially, I relied on credit to cover essential living expenses while repaying my student loan. At the time, I believed this would be a temporary measure until I could stabilize my income. 

My financial difficulties began when a close member of my family passed away. I took out a high-interest loan with short repayment terms so I could travel overseas and help pay for the funeral. 

I am experiencing financial hardship due to becoming overcommitted with debt. This occurred while I was in a relationship where I was a victim of domestic violence and financial abuse, and I was coerced into taking out loans in my name that I am now left to pay. 

I experienced financial hardship as a result of a previous relationship where I was a victim of domestic violence and financial abuse. During this time, I was coerced into taking out a loan with a bank, which I was later left solely responsible for repaying. 

I acknowledge that I’ve made some poor financial decisions, particularly with gambling, which led me into a difficult and unsustainable situation. I take full responsibility for the choices I made. To cover my losses, I turned to credit cards and short-term personal loans, which has only made matters worse.  

Over time, I found myself in a difficult financial situation after taking out several short term loans with high interest rates to cover general living expenses. I intended these to be temporary solutions, but I quickly became stuck in a cycle of debt, taking out new loans just to cover repayments on existing ones.  

I ran into financial trouble after experiencing a period of unemployment, which led me to take out several loans to cover my living expenses. Unfortunately, I didn’t fully understand the high interest rates and short repayment terms involved, and this quickly trapped me in a cycle of debt that became unmanageable. 

Over the past year, I have faced significant financial hardship following a traumatic incident of domestic violence that completely disrupted my life. As a result, I was forced to move out of my home. For two months, I stayed with a friend while trying to find stable accommodation and had to place all of my belongings in storage. Unfortunately, I was later asked to move out again, leaving me in an unstable living situation. 

Everything started to unravel when my relationship with my ex-wife ended, and she was granted full custody of our children. This was an incredibly difficult time for me and had a significant impact on my mental health. During that period, I relied heavily on short-term, high-interest loans just to get by, 

I began facing serious financial hardship in July 2025, during an incredibly difficult period for my family. At that time, our real estate agent imposed a steep rent increase that we simply could not afford. With no viable alternatives, we were forced to leave our home and are now living in a caravan park — a situation that has been both emotionally distressing and financially draining, as the costs are high and ongoing.

I began experiencing financial difficulty around the middle of 2025 when I moved home. The move was costly, and I now travel much further for work, which has caused my car expenses to rise sharply. To keep up with day-to-day living costs, I turned to credit, but the repayments quickly became unmanageable. 

Mid-2024, everything began to unravel for me financially after an expensive and emotionally draining family court battle. I tried my best to recover, but the constant rise in the cost of living kept pushing me further behind.

I began facing serious financial hardship in 2023 after suffering an injury that left me unable to work. When I was finally able to return, it was only in a limited and irregular capacity. At the same time, the cost of everyday living continued to rise, which placed further strain on my situation.

I began experiencing serious financial difficulties in 2025 after a period of not working, and my wife and I had no choice but to rely on credit just to get by. My wife has no income, so everything fell on my shoulders.

Toward the end of 2025, my financial situation began to spiral. I was already stretched thin heading into Christmas, and the pressure of trying to keep up during such an expensive time left me stressed and struggling. As the cost of living continued to rise, things only became harder. 

Darren suffered a knee injury at work and was not able to continue working. He was on unpaid leave for a few months whilst he waited for workers compensation to come through.  

His marriage broke down four years ago and has been struggling ever since. Costs that were once shared became his responsibility alone, & he started relying on loans to cover living expenses.  

He had been out of work for 6 months not earning an income. He fell behind on his car loan, home loan and relied on credit cards whilst he was out of work 

He was hit by a car and was forced off work whilst he was recovering. He worked as hard as he could after his recovery but then the COVID lockdowns hit, and he fell further behind. He tried financial hardship during this time, but the relief was only temporary and at the end of the 

Peters mum called into debt fix seeking guidance for her son. Peter has been avoiding discussing his debts as they trigger feelings of hopelessness and anxiety.  Once on an above average salary working in the mines, Peter took out multiple loans thinking he would be able to easily pay down the debt in a short time. 

Jade is the young, single mother of two children aged under 6yrs. Following the birth of her most recent child a little over 1yr ago, Jade developed severe post-natal depression. In the months prior to birth Jade was consumed by a stressful custody battle with her eldest child’s father who lived several hours up the coast.  

The debtor recently separated from her husband who also owned the business she was working for prior to the separation. She has taken on additional debt to allow her to find accommodation and to try to pay for family court expenses. She has found a casual job as a shop assistant which is barely enough to scrape by and continues to look for more gainful employment.