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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.
AUG 11, 2017, FRIDAY
Debt-Relief-Options--Fast-Track Is Credit Counseling Worth It?

When you struggle with debt, finding a solution that works for your life is critical. But is a credit counseling program the answer? It can be, but it is important that you understand several underlying details first. Let’s explore credit counseling in more depth so you can make the most informed decision — and climb out of debt for good.


The Ins and Outs of Credit Counseling


Credit counseling offers a free review of your financial picture. Through this process, the counselor will see if a debt management plan (DMP) is a feasible solution for you. Your counselor can negotiate with your creditors to create the DMP for your unsecured debt, which has more manageable monthly payments.


This plan comes with a cost, and credit counselors do make money by enrolling you. They're only supposed to sign you up if they determine you cannot keep up with your current payments. Since they don't make anything off their free advice, credit counselors have an incentive to enroll you in the plan – even if you don't need it.


That said, credit counselors do this for a living, just like other financial professionals. They can help you manage a budget, remain disciplined, and stay driven to work your way out of debt. In some cases, the fee is well worth it for those struggling with spending discipline.


But credit counseling is not a viable option for everyone in debt. One of the most important steps in getting out of debt is being aware of all of the alternatives.


Hardship Programs


Credit card companies offer hardship programs for customers going through a rough spot, such as a job loss or medical situation. But they rarely suggest them to you, even if you're racking up late fees and penalties for unpaid monthly minimums. These are profit-driven companies, after all.


You have to ask about hardship programs directly. Once you do, your credit card company gives you the details. These programs work similarly to debt management plans: the difference is that you won't be paying a fee for it. That fee can add up to $600 per year, and when you're in debt, a difference like that is significant.


A hardship program closes your account and turns it into a fixed loan at a lower rate. This should work to lower your payment. If your credit card provider is unsure about putting you on a hardship program, let them know that you are considering other options, such as a credit counselor, debt relief options, and bankruptcy. This will usually catch their attention and make them take your inquiry seriously. They would much rather recoup partial payment than no payment at all.


Debt Consolidation Loan


A debt consolidation loan is another avenue for getting out of debt. Essentially, you take out a loan and use it to pay off debts like those mounting credit card bills. Of course, this means you are responsible for making monthly payments on the loan you've taken out instead.


For this to work, the terms of the consolidation loan need to be more favorable than the terms of the debts you currently owe. This method must put you in a better and more manageable place. It also means you have to be able to qualify for such a loan. People with an otherwise good financial history or who have collateral may be able to do this. However, many people who are in debt won't be able to get a loan like this approved in the first place.


The good news is that you can check out your eligibility or apply for a debt consolidation loan no matter what. Don't be deterred from investigating this solution. It's one of the better debt relief options that's out there.


Debt Settlement


Debt settlement can be a powerful tool in terms of erasing your debt. Debt relief options cover a range of different circumstances. They're geared toward settling your debt at a lesser amount than your outstanding balance. For instance, if you owe $10,000, they may be able to negotiate a settlement that sees you paying $5,000 of it.


Of course, debt settlement negotiators do get paid, but the way they are compensated is interesting. For their fee, they charge a portion of the money they saved you. Take that $10,000, for instance. Let's say they charge 15% of what they save you (this is only an example for simple math). If they settle your debt at $6,000, they earn 15% of the $4,000 they saved you. That amounts to a $600 fee. This means that you've paid a total of $6,600 to erase a total of $10,000 in debt.


Now let's say they're able to settle that debt of $10,000 for just $3,000. That's a fairly common settlement rate. They assess their fee based on the $7,000 they've saved you. In this example, they make $1,050. It still means you've paid a total of $4,050 to erase a total of $10,000 in debt.


In other words, they get paid more when they save you more. This is a clever system because it incentivizes them to save you as much as is possible.

Debt relief options are wide and varied. A credit counseling program may be best for you, but make sure you learn about all your options. They each have different effects on credit reports and a variety of other factors — and they can save you different amounts of money. Each has advantages depending on your particular situation. Don’t wait to ask for help in choosing the right path to debt-free living.

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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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