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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...
FAST TRACK DEBT RELIEF ADVICE BLOG
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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Testimonials
"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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