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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.
Monday, October 22, 20185eKomi
Our experience has been wonderful with ***, he is great so glad we contacted him
Fast Track Debt Relief, Inc.
Friday, September 28, 20185eKomi
Felt so relieved after the first conversation with ***. Cant wait to be sent free soon!
Fast Track Debt Relief, Inc.
Monday, October 1, 20185eKomi
I was very tentative about reaching out for help with my financial situation. *** from Fast track was VERY understanding and continued to communicate with me every step of the way. She was very rea...
Fast Track Debt Relief, Inc.
Friday, September 21, 20185eKomi
Professional and extremely helpful. Recommend to anyone who is in financial distress.
Fast Track Debt Relief, Inc.
Wednesday, August 8, 20185eKomi
I received an offer in the mail regarding the program. At first, I was a little reluctant but my monthly bill payments were becoming difficult to maintain. After doing some research about the progr...
Fast Track Debt Relief, Inc.
Monday, October 1, 20185eKomi
The experience was exceptional. The people were very good in the explanation of your services. They even provided information in an email that I printed that explained the process.
Fast Track Debt Relief, Inc.
Monday, July 30, 20185eKomi
My experience with *** was very good actually excellent they're very quick about everything if I had any problems they took care of it right then and there I can call them up and have anything take...
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.
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.
Friday, July 20, 20185eKomi
My experience thus has been excellent. *** made me feel comfortable and confident throughout the entire process.
Fast Track Debt Relief, Inc.
Friday, October 5, 20185eKomi
Awesome experience with this office just wonderful .when I was at my lowest point .They took care of me.
Fast Track Debt Relief, Inc.
Wednesday, October 24, 20185eKomi
*** ultimately became my financial advisor and did an excellent job with a stressful situation. He pushed it thru quickly and efficiently.
Fast Track Debt Relief, Inc.
Thursday, August 30, 20185eKomi
EXTREMELY friendly, courteous and helpful. *** was very courteous and helpful. I was skeptical at first, but he let me know everything would work out fine.
Fast Track Debt Relief, Inc.
Wednesday, October 10, 20185eKomi
So far I can't say enough about this company especially *** she was awesome
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.
Tuesday, September 11, 20185eKomi
Very impress with the pace in which my case was handled. Everyone made sure I understood what was happening and what was going to happen.
Fast Track Debt Relief, Inc.
Saturday, August 18, 20185eKomi
Well the people I'm working with is very professional in the business that's helping me.*** and *** explained very clearly about how this program goes. I'm just starting so once I get into things a...
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.
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, September 26, 20184eKomi
It has been a very positive experience so far. The people I have spoken and met with have been very friendly. I did not feel pressured in any way and they were very patient and forthcoming concerni...
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.
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.
Friday, August 3, 20185eKomi
*** was super helpful, kind, and easy to talk
Fast Track Debt Relief, Inc.
Thursday, August 2, 20185eKomi
*** has been awesome from the first minute I spoke with her. She is very professional but compassionate about my situation. It was always a pleasure speaking with her.
Fast Track Debt Relief, Inc.
Saturday, August 4, 20185eKomi
Everyone I've been contact with has been very helpful.
Fast Track Debt Relief, Inc.
Tuesday, August 28, 20185eKomi
*** was great. Knew what she was doing. Very persistant but it worked. First, i said no then an hour later, it was yes.
Fast Track Debt Relief, Inc.
Monday, October 1, 20185eKomi
So far she has been great ,looking forward to seeing my credit score. *** was very persistent. very convincing. So she won be over.
Fast Track Debt Relief, Inc.
Saturday, April 28, 20185eKomi
Great Service,everything was explained to my understanding.
Fast Track Debt Relief, Inc.
Thursday, November 15, 20185eKomi
*** was very good for us. She walked us through everything and was very competent. We were in very good hands & we appreciate her dedication, sincerity & all the time she spent helping us & explain...
Fast Track Debt Relief, Inc.
Monday, July 23, 20185eKomi
Excellent services and knowledgeable employees!
Fast Track Debt Relief, Inc.
Thursday, August 30, 20185eKomi
My experience thus has been good it has allowed me to use a new avenue in repairing my credit along with helping my daughters get back on track very professional staff every document was explained ...
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, 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.
Friday, August 31, 20185eKomi
I found that this is probably one of the best experiences I've had dealing with a debt/finance company.
Fast Track Debt Relief, Inc.
Saturday, July 14, 20185eKomi
The beginning proceedings over the phone were very easy. *** talked me through everything. But, he was a little condescending towards me for having to go through this process. But, he was nice afte...
Fast Track Debt Relief, Inc.
Friday, October 12, 20185eKomi
*** was very patient and not pushy during the process. I finally feel like a load of stress has been lifted off of me.
FAST TRACK DEBT RELIEF ADVICE BLOG
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."
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Janet A.
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Ginger J.
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Melissa H.
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