Some decades ago, credit card debt represented a one-time large purchase that was paid off at reasonable interest rates, and it was up to the consumer to pay either the minimum or some more. Savvy consumers avoided paying too much compounding interest by paying credit card debt as fast as they could. Then, along came easy credit. Credit card companies and banks would offer 0% interest rates for at least a half year if consumers would switch to their cards. Cards started to arrive in the mail whether you asked for them or not. Very soon many individuals had so many credit cards that goods and services that had seemed out of reach before now looked easy to obtain. Few people took the trouble to figure out what all this debt would cost them in the future and many succumbed to the temptation of just using their cards wherever they went. Cash was not king, and cards were very convenient—and treacherous for those who didn’t do the math.
Over the years, credit card debt took on frightening proportions for many debtors, as the switching game became a nightmare that few were able to address. As the economy turned down and easy credit became a thing of the past, late fees are being charged when your check arrives just one day late. If this happens, your total credit line is cut and your interest rate goes up immediately.
Serious debt at 30% apr is a serious problem even for those with good incomes. If you are already piling up high interest and it becomes clear that you won’t be able to pay off the ever-larger balance, it’s time to take action. Don’t wait until the dreaded increased interest rate becomes fact for you, too; it only makes it worse. Once you are willing to take action, Fast Track can help you settle your debt. Fast Track’s focus is on helping consumers that are in default or can’t pay their credit card bills, and would like an alternative to filing bankrutpcy.
As a client wrote to us:
“Thank you so much. I never meant this to happen. I felt so bad inside; I always tried to pay my bills. Thank you for all of your help. I do not ever want more credit cards.” Ginger J.
Fast Track’s Settlement Program has experienced debt specialists working with your creditors to negotiate and settle your unsecured debts to make your financial situation more manageable, enabling you to pay off the lower agreed-to amounts over no more than three years. They can give you the peace of mind that comes with knowing that you made the effort to accomplish something and having your debt problems finally settled with Fast Track’s help. That’s our mission.
When we start your plan we establish an affordable monthly payment which is deposited in a settlement account in your name. Once you have the required funds in your settlement account, we will contact your creditors and make settlement offers. We will continue to work with them until all debts in the plan have been settled. Fast Track’s goal is to settle all debts in the plan for 40%-60% of what you owe.
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