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Fast Track Debt Relief, Inc.
Wednesday, January 17, 20185eKomi
This process so far makes me feel so much relief. The staff has been extremely kind and helpful.
Fast Track Debt Relief, Inc.
Thursday, March 1, 20185eKomi
It was a wonderful experience dealing with *** @ Fast Track Debt Releif. Very helpful in every way. Thanks again
Fast Track Debt Relief, Inc.
Thursday, February 1, 20185eKomi
The experience with Fast Track has been very easy and *** was very nice and professional, she made sure that I understood everything upfront.
Fast Track Debt Relief, Inc.
Wednesday, May 3, 20175eKomi
My experience with this company has been nothing short of fantastic. I would like to point out especially the excellent customer serve by ***. She was always available, cheerful and worked hard t...
Fast Track Debt Relief, Inc.
Thursday, March 8, 20185eKomi
Fast Track was a pleasure working with. I was really struggling with paying off my debt and they were able to help me lower my payments and pay them off quickly.
Fast Track Debt Relief, Inc.
Wednesday, October 4, 20175eKomi
This company made sure I was not only aware of what I needed to be but also made sure I was comfortable with my decision.
Fast Track Debt Relief, Inc.
Thursday, September 14, 20175eKomi
I think Nelson Casas explained everything to me and made my decision very easy. Thank you ***
Fast Track Debt Relief, Inc.
Thursday, September 14, 20175eKomi
So far everything has been great! Brad is great to work with and so is the attorney. Prayers that everything goes right with our creditors so we can be debt free before too long!
Fast Track Debt Relief, Inc.
Sunday, June 25, 20175eKomi
Something unbelievable but true this program really helped me a lot so far
Fast Track Debt Relief, Inc.
Friday, August 25, 20175eKomi
My experience has been excellent. Everyone that I came in contact with has been very good.
Fast Track Debt Relief, Inc.
Saturday, August 19, 20175eKomi
Great experience. Very professional.
Fast Track Debt Relief, Inc.
Wednesday, January 3, 20185eKomi
To date it has been quick, courteous and mind relieving. Thank you so much for working with me to resolve my debts.
Fast Track Debt Relief, Inc.
Friday, December 1, 20175eKomi
Thus far, the service and assistance have been fabulous. Everything is explained very clearly, and, if there are still questions, they are more than willing to explain until you have a full underst...
Fast Track Debt Relief, Inc.
Monday, September 18, 20175eKomi
Andrea Scott has been more than just helpful. She has explained everything completely. She has answered all of my questions. Great service.
Fast Track Debt Relief, Inc.
Friday, October 6, 20175eKomi
Every one that I had contact with were knowledgeable and experienced. Their willingness to make sure that I fully understood every part of what I needed to know to participate in the program.
Fast Track Debt Relief, Inc.
Thursday, October 12, 20175eKomi
Very professional and kind. It was hard to go this route because I've been in this situation about 8 years ago. You people are very kind and understanding.
Fast Track Debt Relief, Inc.
Saturday, June 10, 20175eKomi
What can I say!! Fast Track Debt Relief was a Blessing in Disguise and Life Saver for me and my family. With over $60,000+ in debt, we turned to Fast Track Debt Relief for assistance. They set up...
Fast Track Debt Relief, Inc.
Friday, July 28, 20175eKomi
Very helpful and professional. I was treated like family
Fast Track Debt Relief, Inc.
Sunday, March 4, 20184eKomi
It was a pleasure to find that there is some one that still help the one that really need it. And take the time to listen and to exlpain thing so that you can understand.
Fast Track Debt Relief, Inc.
Thursday, February 22, 20185eKomi
To whom it may concern, it was a great pleasure working with you and the group. I couldn't have done this without you.
Fast Track Debt Relief, Inc.
Wednesday, August 9, 20175eKomi
I had a very courteous, polite and extremely well knowledgeable about the information I received. All my questions were answered.
Fast Track Debt Relief, Inc.
Friday, October 13, 20175eKomi
*** has help me and explain their business and I am satisfy and very please. I have heard from my attorney very please with him.
Fast Track Debt Relief, Inc.
Tuesday, July 11, 20175eKomi
My experience has been both beneficial and it has relieved all of my stressors in regard to my dealings with my creditors. Everyone has been really helpful.
Fast Track Debt Relief, Inc.
Saturday, July 22, 20175eKomi
I like that they take time to Answer all my questions and don't feel rushed when I talked to them.
Fast Track Debt Relief, Inc.
Friday, November 17, 20175eKomi
My experience with Fast Track has been wonderful due to the concern Ms. *** has. She was so helpful in getting me to understand the plan.
Fast Track Debt Relief, Inc.
Saturday, November 4, 20175eKomi
***was awesome he addressed my concerns and was able to put me into a payment I feel comfortable about making.
Fast Track Debt Relief, Inc.
Friday, December 8, 20175eKomi
My experience with Fast Track thus far has been superb. I felt very comfortable going through the process.
Fast Track Debt Relief, Inc.
Wednesday, May 3, 20175eKomi
I had been so over whelmed with being in debt and truly saw no way out. And with the help of *** and *** I am officially DEBT FREE. I cant begin to tell you how good this feels. And for some time...
NOV 21, 2017, TUESDAY
Credit-Counseling--Fast-Track Signs You Have Too Much Debt

The first sign you have too much debt is that you're not picking up the phone. You know that a credit card company or even a collection agency is on the other end and you don't know what to tell them. It stresses you out to take that call, so you don't. You avoid picking up – but you don’t avoid the worry and anxiety that the ringing of the triggers. You are not alone, and you are not out of options. Credit counseling and debt relief that can help you.


Not Picking Up the Phone


The Problem: Not picking up the phone only pushes the stress to tomorrow, and your situation becomes worse with each passing day. You're not solving anything; you're just delaying it.


The Solution: This one's easy (really!). Pick up the phone. Even if it's just to tell the credit card company that you won't be able to afford this month's payment. They won't be angry. They'll let you know what will happen anyway – which is the same thing that would happen if you hadn't picked up the phone. And sometimes they can even find a hardship program for you, or alternate options. They generally don’t volunteer this information; you have to ask. If you can pay, but it's going to be late, they can forgive a late fee.


Remember, for credit card companies, something is better than nothing. They will work with you because it’s in their best interest. It is in yours too.


High Balance on Credit Cards


The Problem: This is tough. When your balance grows too high across multiple credit cards, the monthly payments might outpace your income. That means paying them begins to drain any savings you have. The interest charges can also skyrocket, especially if you've missed a few payments. For every $200 you pay on a card, you might get another $100 in interest charges. That means you're paying $200 every month to reduce your balance by only $100.


The Solutions: The answer to this one depends on your situation. Many people ignore the problem, letting it drain away their savings until they simply can't pay anymore. Worse yet, many people keep charging on the cards. The first step is better financial discipline. This means changing some habits. If you commit, it's not as difficult as it sounds. Working with a credit counselor is key because it will teach you some options and approaches you didn't even realize you had.


The second step has to do with debt relief. If you work with a debt relief company, you may be able to settle with a credit card company. Do this before you drain your savings out. Debt settlement involves paying a lump sum to a credit card company that totals a fraction of what you owe. To make it work, you need to have the money to pay that lump sum. We can help you make a plan for that.


Monthly Payments are Too High


The Problem: Just like in the last example, your monthly payments exceed your ability to pay them. Maybe you've already depleted your savings, or maybe you've still got something left in them. Maybe there's an emergency fund that you don't want to touch (which is smart). You definitely don't have enough to settle. What do you do?


The Solutions: Again, working with a credit counselor to adjust your spending and saving is a key step. Whether you know a lot or you only know a little about managing your finances, a credit counselor does this for a living. They know this area inside and out. They're there for you to lean on for teaching and for an objective view that is hard for you to maintain when you're stressed and anxious about finances.


There's a second step here, too. Even if you don't have the money ready for a realistic debt settlement, you might have the combined income and savings to qualify for debt consolidation. This is a form of debt relief that reorganizes your payments so that they're more manageable. You'll have a different amount to pay each month that's engineered to your ability to successfully make those payments.


You're Racking Up Late Fees


The Problem: Yes, you may not be in collections yet, but you are be racking up hundreds and hundreds of dollars in late fees. This just delays the inevitable. When you do finally hear from collections, the end result may be thousands more than you initially owed – simply because you didn't know what to do as the late fees added up.


The Solutions: The ideal course at this stage is to inquire about hardship programs. Most major credit card companies run such programs. This will close down the card and require you to repay the balance at a certain rate. You won't still be able to charge on the card – but if you can't pay the monthly payments, it’s a good idea to stop using it anyway.


Debt relief should be another option you look at. Once a certain amount of late fees have accrued and a credit card company hasn't seen a monthly payment (which will balloon every month to include the unpaid monthly payments), then the card gets shut down anyway. Your account will be sent to an in-house collections department, and if they still haven't seen any payments, it will be sent to an external collections company.


Tackling matters before they go through these steps – either through hardship programs or debt relief – is the best move.

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"Fast Track's Debt Relief financial specialists can give business owners the peace of mind that comes with knowing that the effort has been made to have business debt problems finally settled with Fast Track's help."
Rebecca G.
"The staff was great. They treated me with the upmost respect and answered all of my questions in a timely manner. Thank you!"
Janet A.
"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.
"Thanks so much for your help!! I am so glad this is all over!!"
Melissa H.
"The people of Fast Track are very concerned with the client. They are life changing in our case. Thank you."
Joe L.
"Thanks to all your staff; for the many girls and boys I've alked to. They were always so helpful to answer all of my questions and concerns. I would highly recommend this company to help others in need. Thanks again!"
Tanis P.
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