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Fast Track Debt Relief

Fast Track Debt Relief: Your Fastest Solution

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Fast Track Debt Relief: Your Fastest Solution

Fast Track Debt Relief has been helping people get out of their debts in a process known as debt settlement since 1998. And other than debt settlement, they offer other programs, including debt consolidation loans that can help you with your overwhelming debt by lowering your interest rates and relieving your debts in up to 84 months. 

You can have a free consultation from Fast Track Debt Relief's specialists through phone to help you know and determine if Fast Track Debt Relief is the right company for you. 


Free evaluation and consultation
Live chat available
Can settle debts for 30% of the original amount


Doesn't disclose the fees
No major accreditations
Minimum of $10,000 debt required


Quick Stats

Credit Score Impact
Not Available
Average Net Savings
30% without fees
BBB Rating
Minimum Debt Required
Money-Back Guarantee
Not Available
12-36 months
Money-Back Guarantee

If you find yourself drowning in debt and are looking for any way to break free from it, Fast Track Debt Relief can be the answer to your prayers. Fast Track Debt Relief dedicates itself to the people; they have been helping people get out of debt for more than two decades, and you can be the next person. 

Their debt consolidation program is custom-made to fit their clients' needs in order to help them with their financial stress and give them the stepping stone on the path towards their long-awaited financial freedom.

If you decide to resort to the Fast Track Debt Relief program, you will have dedicated, fully-trained professionals working by your side every step of the way. These specialists have great experience in debt, debt negotiation, as well as being customer care professionals. With them by your side, you can rest assured that you are in excellent hands and your debt will be gone in no time.

Before we begin, we need to note that Fast Track Debt Relief is not our first choice for a debt relief company, as it is not accredited by the Better Business Bureau, the American Fair Credit Council (AFCC), or the International Association of Professional Debt Arbitrators (IAPDA). If you want to see companies that are accredited, you can check our American Debt Relief full review or Elite Financial Services full review.

How Fast Track Debt Relief Works

Fast Track Debt Relief claims that their debt settlement program has helped many clients settle up to as much as 40% of their debt. This is how it works:

Fast Track Debt Relief will work with your creditors to convince them and reach an agreement to settle your debt for a lesser amount than the one you already owe them. And even though this may sound to you like a simple task that you can do yourself, creditors do not easily agree to change anything regarding your debt; it takes a very skilled person with huge experience in debt settlement to convince them to settle the debt for lower interest. This is why you need a debt settlement program.

The first thing you need to do is go to Fast Track Debt Relief's website and click on the "Get A Free Quote" button. From there, you will be taken to a different page where you will need to fill in some info about yourself (your full name, email address, phone number, total unsecured debt, and state). Based on your info, Fast Track Debt Relief's specialists will evaluate your situation to come up with the best options that can help you in terms of your debt amount, your budget, and ability. 

After you take a look at your options, you can choose the one you think best fits your needs and abilities. From there on, the rest is on Fast Track Debt Relief's team. They will create a savings account for you to start depositing monthly amounts of money into. The point is that the money you pay will have a lower interest rate than the one you already owe your creditors. To succeed in convincing the creditors to lower your interest rate significantly, Fast Track Debt Relief's specialists wait for the money to accumulate in your account to a certain threshold and then use it to negotiate with the creditors. 

Fast Track Debt Relief's specialists will be with you every step of the way to track your progress and help you while you deposit your monthly payments. This is done while simultaneously negotiating with your creditors to allow you to have a lesser amount of debt. 

The whole process can take months to happen, and creditors may decide to be very stubborn about it. But once they see how serious you are and that you have money in your savings account to pay them, they will start getting convinced. 

It is true that the process can take long, which can be very frustrating, but the result will be worth the way; you will start getting closer to living the debt-free life you have always wanted.

Fast Track Debt Relief's Eligibility Criteria

To qualify for the Debt Relief program at Fast Track Debt Relief, you need to have more than $10,000 in debt. To be able to benefit from their debt relief programs, you must be behind on paying your debt to the creditor. Fast Track Debt Relief only works with clients who are struggling with financial hardships that are preventing them from paying their debt to the creditors as agreed on. 

Other requirements vary depending on your situation, which will be evaluated by their specialists.

As required by law, there will be no upfront fees for you to pay at Elite Financial Services. Instead of paying an upfront cost, you pay fees based on a percentage of the debt you settle with the company. This brings us to the next section.

Fast Track Debt Relief - Fees

Unfortunately, Fast Track Debt Relief does not disclose its debt settlement fees on the website. However, the average fees in the industry range between 15% and 25%, so Fast Track Debt RElief should be somewhere in between. 

As for their debt consolidation program, Fast Track Debt Relief advertises debt consolidation loans with fees that stand at 1% to 4% and interest rates that stand at 3.99% to 29.99% (including autoplay).

There is a page on Fast Track Debt Relief's website for examples of debt settlement, where you can see actual examples of their most successful settlements. Some of these examples will show you how their debt was settled for 30% or even less of the amount they owed originally (of course this percentage does not take into account debt settlement fees).

As for the period debt settlement takes, Fast Track Debt Relief does not disclose or advertise an average amount of time. However, if you look at the examples they included, it usually took their clients 12-36 months to complete the program, and in some cases, it could take up to 84 months.

Types of Debt Addressed by Fast Track Debt Relief

Fast Track Debt Relief works on debt settlement and debt consolidation, two types of debt relief that are connected to unsecured debt. While they don't exactly list the types of debt they address, unsecured debt includes a few types of debt that are not secured by collateral. 

To clear things up, here are a few types of unsecured debt:

Credit Card Debt

Credit cards charge very high interest rates, which can make it harder for debt settlement companies to negotiate with them. After following the steps in the section above, you will start depositing your money into your savings account to eventually settle your credit card debt for a lower amount of what you actually owe. 

Medical Bills

Fast Track Debt Relief can also assist you in settling your medical bills debt; this includes doctor bills, hospital bills, and past due amounts from other medical services. With the help of their specialists, you will be able to settle your medical debt for a much lesser amount and in a shorter period of time. 

Personal Loans

Fast Track Debt Relief also helps clients with their unsecured personal loans, including bank loans, credit unions, payday loans, and loans from online lenders. 

Other types of unsecured debts that they offer help with include private student loans, back rent, and business debts.

Customer Service

Fast Track Debt Relief offers an online chat feature, where you can get help for any question or inquiry you have. They also offer customer service in their office; you can find their exact location stated on their website.

You can also send them an email at or call them at 1-888- 332-8004. Unfortunately, though, they do not disclose the times of operation on the website.

Final Verdict

Debt settlement might not be the best option for you, but sometimes, it is your last resort. 

As Fast Track Debt Relief does not exactly mention their fees and costs clearly, you need to be careful before committing; make sure to ask about their fees and terms and conditions before taking any step. And as mentioned before, they offer multiple types of customer support; you can use that to your benefit; ask them about anything you don't understand, and make sure they are the right firm for you. 

How long does it take to be debt-free?
Could a creditor sue me?
Can Fast Track Debt Relief guarantee the success of the program?
Do I need a hardship to qualify for Fast Track Debt Relief's program?
Does Fast Track Debt Relief charge any upfront costs?
Will using Fast Track Debt Relief's services affect my credit score?
What is a credit card loan?

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