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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.
Saturday, April 28, 20185eKomi
Great Service,everything was explained to my understanding.
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.
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.
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, April 12, 20185eKomi
I am satisfied with the information provided by the costumer service rep he took out the time to explain to me in details and made sure that I understood the process of consolidating my credit cards.
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, 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.
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.
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.
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.
Saturday, August 19, 20175eKomi
Great experience. Very professional.
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 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.
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, April 5, 20185eKomi
Our experience with this company to this point has been very good. They seem to be very efficient.
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.
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.
Sunday, June 25, 20175eKomi
Something unbelievable but true this program really helped me a lot so far
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.
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.
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.
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.
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...
Fast Track Debt Relief, Inc.
Tuesday, April 3, 20185eKomi
Just like they say debt relief. I can't wait for that feeling because that's the way they make me feel. They make you feel very comfortable and help you understand the system how it's work.
Fast Track Debt Relief, Inc.
Friday, July 28, 20175eKomi
Very helpful and professional. I was treated like family
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.
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.
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.
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.
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, 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.
JUN 12, 2017, MONDAY
Credit-Counseling-Services--Fast-Track A Guide to Credit Card Debt Management

Credit card debt management can feel overwhelming. You're dealing with a debt that seems to grow larger with every statement. If interest rates have been hiked due to your situation, you may be paying $2 for every $1 you're charged in interest every month. It's an incredibly difficult process that can feel impossible to pull yourself out of.


Recognize that you're not the only person who goes through this. Two million people seek out credit counseling services every year in the United States; millions more struggle alone. People fall into debt because they had a medical emergency, lost a job, needed to support someone – there are as many reasons for getting trapped in a debt cycle as there are people who struggle with it.


The question is how do you end that cycle?


Communicate with Your Creditors


The first thing to learn about credit card debt management is to stop avoiding the problem. Confront your debt head on. If there are envelopes you haven't opened or calls you won't take because you fear they have to do with your debt, take a breath and respond.


Communicate with the companies you owe. Even credit card companies have hardship programs that can help people who fall into debt. You won't know if you don't ask.


This also helps your creditors know you aren't running away from the debt. They follow specific schedules for when they have to assess charges or move a debt off to a collection agency. At the same time, your communication can influence them to forgive certain late fees or see if you qualify for hardship programs.


If a debt has already been moved on to a debt collector, then communicate with the agency who has purchased the debt. Debt collectors have much more freedom to establish repayment schedules or even write down the amount you owe. Debts in collection reflect on your credit score, but this doesn't mean you have to let the damage continue unaddressed. Communicate. Even if it's to say you can't make a payment, make that call. Creditors have much more patience for those in communication than for those who they think are hiding.


Consider Your Situation


Do you need credit counseling services? You need a realistic view of your situation, so ask yourself a few questions.


  1. Do you avoid opening bills or taking phone calls because of debt? If you do, this indicates you need a better (and less stressful) approach.


  1. Do you live paycheck to paycheck? This is stressful and ultimately not sustainable. You need a better solution.


  1. Do you have a high balance on multiple credit cards? Are any credit cards maxed out or close to the limit? Do you have multiple cards where you can't zero out the balance every month? This means you aren't in control of your debts. But you can learn how to be.


  1. Are you hiding your situation from other people, particularly family members? People feel shame when they fall into debt. They shouldn't. Debt can overtake virtually anyone. It doesn’t make you a “bad” person; it just makes you a person who needs a good plan.


  1. You've had a debt referred to a debt collector. This means a debt has gone unpaid for so long that the creditor no longer believes you can pay it back. Debt collectors can be savage, or they can be reasonable. They need to hear from you, and you need to learn how best to engage them and manage your situation.


Seek out Credit Counseling


Credit counseling services are available through a variety of sources. A number of universities, credit unions, housing authorities, and military installations offer this assistance. Even if you're not a member of any of these, you can still find agencies that can help.


If you feel overwhelmed, part of the reason is that you do not have the information you need to make a realistic plan to regain financial control. Counseling services can help you access that information and put it into action.


Counselors can help you set up a budget that looks at your situation realistically and can accommodate the payments that get you out of debt. They also offer educational workshops. Some firms can offer debt management plans – just be sure that nothing is ever paid to these plans until the plan is agreed to by your creditors.


When you meet with credit counseling services, be honest with them. Don't hide some element of your financial picture. This won't help you, and they've probably seen far worse situations. They're not there to judge; they're there to help you climb out of debt and get back on your feet.


Other Options


Bankruptcy is one option, but it is damaging to your long-term financial picture. There are plans like debt consolidation and debt settlement that offer less onerous methods of credit card debt management. These still involve a few trade-offs to your credit score, but they're more reasonable than bankruptcy. You can often pay a fraction of a debt back and have a portion cleared. These options are not right for everybody, but they are useful for many.


When you're taking advantage of credit counseling services, you can ask abou

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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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