If you have come to the conclusion that it may be time to enroll in a Consumer Credit Counseling program, you will find a plethora of offers in this area. On the web you will find different approaches, some from nonprofits, targeted to union members, Christians, and other groups. However, some of these programs are funded by the same creditors that you owe your debt to; they will operate accordingly and not necessarily have your best interest in mind at all times.
Then there’s the problem of how to separate the chaff from the legitimate companies. It’s not easy to choose the right outfit when you are being bombarded with messages from debt management companies that may be fraudulent and offer misleading credit counseling services. You should be cautious. Always check out these businesses with your Better Business Bureau or other watchdog agencies. Then there are the scammers that seek out consumers facing foreclosure and you should avoid them, but that may not be so easy and it will take a lot of your valuable time.
In any such program you will be advised that there is the need to get your ducks in a row first. Your budget has to be analyzed and your current financial situation evaluated. Then a solution has to be developed which usually includes consolidating your credit card debt, and set up a new, disciplined budget so you can become debt free.
However, credit counseling may not be the best option for you, but debt settlement such as Fast Track offers may be the better way to go. In most cases of mounting debt problems the debt is sitting in credit card balances which, unlike mortgages or car loans, represent unsecured debt. Even if people pay more than the minimum payment each month with their old interest rates, they can’t see the proverbial light at the end of that tunnel. Now that banks are facing enormous losses from the collapsed housing boom, credit card holders with large balances will most likely face a big portion of the tab. More fees are being charged and consumers are being warned by the banks that interest rates can rise to as much as 30% apr if they miss a payment. If you have this kind of unsecured debt, and you think it will be almost impossible to pay of your balances, this is the time to take action and settle this debt with Fast Track’s help.
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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