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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...
APR 28, 2017, FRIDAY
Debt-Relief-Company--Fast-Track How to Rebuild Credit after Bankruptcy

Bankruptcy can help you get out of debt relatively quickly, but it comes with some significant trade-offs. While bankruptcy doesn't mean that you'll never have good credit again, it does mean that developing that good credit will take work. This process does not have to destroy your financial future. It is possible to recover and rebuild your credit after bankruptcy. The first step is to arm yourself with information.


There are two forms of consumer bankruptcy:


Chapter 7 Bankruptcy (Liquidation): This is the most common form of personal bankruptcy. Unsecured debts (mostly credit card debt), personal loans, and medical debt are all discharged. Assets may be taken as a result of this – things that are judged as luxuries – but most who file for this type of bankruptcy actually don't end up giving up assets. This is a testament to the reality that most who require bankruptcy don't do so because they've splurged on luxuries; they've instead fallen on hard times.


Chapter 13 Bankruptcy (Reorganization): Here, you repay your debt under a court-approved plan. This method may not resolve your full amount of debt, but it can. To qualify, your debt must be under a certain amount, and you have to be able to repay it over the course of 3 to 5 years.


If you haven't filed bankruptcy yet, examine all the possibilities. Start by consulting a debt relief company. Many who believe bankruptcy is the only option find a different way of handling debt: they work with a debt relief service to achieve a settlement.


Not everyone qualifies for debt settlement, and it does come with its own set of consequences. However, these usually are not as impactful or long-lasting as the penalties associated with bankruptcy. Debt settlement via a reputable company and declaring bankruptcy are two different tools that are useful for different financial situations. Investigate them both.


Now What?


Now that you understand the types of personal bankruptcy and the non-bankruptcy option available through debt settlement, here's the first thing you have to do to rebuild credit after bankruptcy:


Get your head in the right space. It's difficult. Nobody wants to file personal bankruptcy, but this doesn't mean that you've thrown your future away. It happens. It happens because people are hit with an unplanned emergency that ruins their finances. It happens because people lose their jobs. It happens because of medical debt. It happens because people aren't aware of the kinds of programs that are out there to help them. And yes, it even happens because people make mistakes.

These aren't things to be embarrassed about for the rest of your life. What's happened has happened. Now is the time to start building your finances - and your confidence - back up. You can't do that if you never forgive yourself and move forward. Here are some possibilities for what comes next:


  1. 1. Create a budget that helps you stay in control of your financial picture. The credit counseling you went through before bankruptcy will have taught you how to do this. If you need more help, talk to a credit counseling agency. These services offer folks free help to manage their finances.


  1. Begin an emergency fund. This is for unexpected emergencies: car repair, home repair, personal injury. Having an emergency fund you can tap into if something goes wrong helps you avoid running up credit again or – worse yet – taking out a payday loan.


  1. Credit reports will show your bankruptcy for 10 years after. If anything went to collection, these will also show for seven years after. Get your credit reports – there are free reputable resources available that provide one free credit report per year. Do not sign up with services that charge you money for these reports.


  1. Talk to your bank or credit union about how to rebuild your credit history. They may offer a secured credit card, with a credit limit equal to an amount you've put in deposit. Ensure that they report this credit activity to the three credit bureaus so it will be recorded. The goal here is to work your way back up to an unsecured credit card. It'll take a while, but once you get an unsecured credit card again, be very careful about how much you spend and make sure you can pay it back to zero at the end of every month.


  1. A co-signed credit card has a friend co-sign the card for you. This means that the co-signer is liable for the bill if you do not pay. Only choose this option if you intend to keep up your end of the bargain. Your friend/family member is taking a financial risk themselves to help you re-establish your credit. The last thing you need is to burn such a bridge. A friend who can help you when times get tough is far more valuable than a few non-essential charges.


  1. Alternately, you can become an authorized user on someone else's credit card. Again, don't take advantage of their trust – be able to pay your end. The goal here is to rebuild your credit, so make sure with the credit card company that your activity as an authorized user will be reported to the credit bureaus.


  1. You can also get a secured loan. This borrows against money you've already deposited. Remember that you won't be able to access your deposit while the loan is still out. The goal is to establish a record of timely repayment - and to get the bank to send a report about your payment history.


Don't try all of these steps at once – you'll very quickly get overwhelmed and may lose sight of your financial goals. Choose the steps that are best for you, and take it slowly – in a way that makes sense and that you can manage going forward. It is possible to rebuild your cre

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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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