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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, 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.
Saturday, April 28, 20185eKomi
Great Service,everything was explained to my understanding.
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.
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.
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.
Monday, October 22, 20185eKomi
Our experience has been wonderful with ***, he is great so glad we contacted him
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.
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 28, 20185eKomi
Felt so relieved after the first conversation with ***. Cant wait to be sent free soon!
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.
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.
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.
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.
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.
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.
Friday, September 21, 20185eKomi
Professional and extremely helpful. Recommend to anyone who is in financial distress.
Fast Track Debt Relief, Inc.
Monday, July 23, 20185eKomi
Excellent services and knowledgeable employees!
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.
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.
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, 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.
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.
Wednesday, October 10, 20185eKomi
So far I can't say enough about this company especially *** she was awesome
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 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.
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, 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.
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.
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.
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.
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.
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, 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.
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...
FEB 02, 2017, THURSDAY
Debt-Relief-Company--Fast-Track How to Get Out of Holiday Debt Faster

The holidays are joyous, but they can eat through our wallets faster than anything else. That can leave January, February, March, April, and so on looking much leaner than you anticipated. That's the false promise of making exceptions on a budget: purchases are a one-time thing, but you're then left recovering from it for months. Here are some steps to help you get out of holiday debt faster.


Seven Steps for Handling Holiday Debt

1. Take a look at your financial picture. Organize your finances and assess the full picture of what you have to work with. To get out of holiday debt faster, you have to know what exactly that debt is, down to the dollar, and how it compares to your savings and your income.


2. Make a plan to pay off that holiday debt. Even if the weather outside is frightful, don’t let your debt snowball. Debt that sits there just creates more debt. Pay more than the minimum payment when you can, even if it’s just an additional $10. Minimum payments will pay off a debt very slowly because interest on the balance is working directly against it. The higher the balance, the more interest accrues. Making bigger payments on a card helps drive that balance – and thus that interest accrual – down.



3. Call your credit card company. When people get in debt, they often find themselves hesitant to speak with their creditors. This is exactly the moment that you need to pick up the phone and be more willing to engage.

If your credit is good, you may even be able to ask a credit card company to cut their interest rate lower. If you have to miss a payment, they'll have on record that you at least contacted them. If you're in truly dire straits, many creditors have hardship programs that cut rates while you pay back your debt. This may require suspending or closing a card, but it's worth it if you are underwater.


4. Focus your extra payments on one card. One approach is to choose the card with the lowest balance, so you can pay this off quickly. Another approach is to choose the card with the highest interest rate, so you can knock away interest accrual before it happens.

Try the Debt Snowball Method. Say you owe $1000 on Card A and $2000 on Card B, with minimum payments of $30 each. Try paying $75 on Card A and $30 on Card B. When you clear Card A, tack that $75 onto Card B’s payment for a total of $105. This is no different than last month, but you are paying more than three times Card B’s minimum. You’ll kill that debt much faster. When that’s paid off, move on to Card C and so on - or start building your emergency fund. The Debt Snowball approach has been proven to be a remarkably effective debt relief technique.

5. Optimize your solutions. If you're looking at repaying a debt over a long period of time, it may be worth it to transfer the balance to another card. Some offers allow you a 0% balance transfer credit account. There will be a one-time fee, usually in the range of 2- or 3-percent. If your interest rate is high, transferring the debt will save you money if you pay it off within the 0-percent period. This period is usually 12 or 18 months.

A Word of Caution: if you don't pay off that transferred balance within the 0% interest period, interest will be assessed all at once across the entire period you've had this new account. In other words, the interest is still being added up. If you pay off your debt within the specified  time period, you never pay that interest. If you don’t - then you’ll see your bill climb. If you can't pay that debt within the 12 or 18 months the account prescribes, this will only leave you in a worse position.


6. Create a plan for how you'll spend your income. You want to be putting as much as you can into zeroing out holiday debt over time. But your plan can't just be about paying off the debt. It also has to be about the saving so you can pay more than the minimum and start an emergency savings fund.

An emergency fund can help you cover unexpected medical or mechanical (with a car or house) bills. For other expenses, consider alternatives – rent a movie instead of going out to see one, host a potluck instead of meeting friends for dinner. These are compromises with your situation, yes, but they can also be just as rewarding. The difference between $30 for tickets, popcorn, and soda going to see a movie versus $5 for the same at home can help you save extra funds more quickly than you realize.


7. If your debt is truly overwhelming, it might be time to look at other options. Meet with a debt relief company if your path to paying off your debt is too difficult. A debt relief company can negotiate on your behalf with your creditors. This can often result in settlements that see you paying a fraction of what you owe.

Now, a debt relief company is tightly regulated in what it can do and whom it can serve. Do your research on the company you want to work with to make sure it's following all the regulations that help protect you. Debt relief is work, not a “get out of debt free” card. But for those struggling, it can be an invaluable lifeline.

There is a trade-off in that affected accounts will be closed and your record will reflect the settlement in some ways. A debt relief company can help in certain situations that offer better alternatives than outright bankruptcy. It's a good solution for certain circumstances where you're struggling, and it's worth looking at further.


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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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