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Fast Track Debt Relief review

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Though it has years of experience, it's vague about costs, fees and service areas.

While Fast Track Debt Relief has been helping people get out of debt for over 20 years, it lacks transparency. It publishes nothing about costs on its website, nor does it list which states it serves. This means you’ll likely need to sign up for a free consultation to learn more.


Product NameFast Track Debt Relief
Min. Loan Amount$10,000
Interest Rate TypeFixed
Turnaround Time12 to 48 business days

Fast Track details

  • Services offered. Debt consolidation, debt settlement, credit counseling, bankruptcy.
  • Free consultation. Complete an online form.
  • Costs. Not listed.
  • Types of debt accepted. Unsecured debt.
  • Minimum debt considered. $10,000.
  • Typical turnaround. 1 to 4 years.
  • Ratings, accreditation and memberships. BBB rating: eKomi Gold Seal of Approval.
  • Direct or third-party negotiations. Direct.
  • State availability. Not listed.
  • Free resources or tools. Financial blog.
  • Customer service options. Phone, email, live chat.

How much does it cost?

Fast Track doesn’t list any specific fees associated with its debt relief services on its website. Costs vary depending on where you live, how much debt you owe, how willing your creditors are to settle and the length of your program.

How much can I save with Fast Track?

It depends on your specific situation — including how much you owe, how willing your creditors are to accept a settlement and whether you complete the program.

However, Fast Track has a list of past settlements on its website to give you an idea of how much you might be able to save. So far in 2019, it’s helped customers with debts ranging from $500 up to nearly $30,000 settle for as little as 10% up to 42% of their total debt owed.

What are the pros and cons of Fast Track?


  • Lists top settlements on website. Fast Track’s website has a page of top settlements from past customers to give you an idea of how much you might be able to save.
  • Live-chat available. Have a quick question you’d like answered without calling? You can use Fast Track’s live-chat feature on its website for fast help.
  • Financial blog. Learn everything from what happens to debt when you die to new apps that can help manage your finances through Fast Track’s financial blog.


  • Doesn’t disclose costs. Fast Track doesn’t list any program fees on its website, nor would it tell us any potential costs when we chatted with a customer service rep.
  • No list of states serviced. We couldn’t find a list of states Fast Track is available in on its website. And when we spoke with a rep through its live-chat system, they were unable to give us a clear answer.
  • Most reviews are several years old. Many of Fast Track’s reviews on its Better Business Bureau and Trustpilot pages were from mid-2018 or earlier. And newer reviews were mostly complaints — not a great sign.

Compare other debt relief providers

Data indicated here is updated regularly
Name Product Costs Requirements
Freedom Debt Relief
Monthly payment based on enrolled debt, no upfront fees
Must have at least $7,500 in unsecured debt and live in a serviced state.
Freedom Debt Relief is a debt settlement company that works to help people with unmanageable, unsecured debt get back on their feet.
National Debt Relief
18–25% of total enrolled debt
Must have a legitimate financial hardship which is preventing the ability to pay creditors and a minimum of $7,500 in debt.
Get back on your feet with a top-rated debt relief company that works with multiple types of debt.
American Credit Card Solutions
No upfront costs — settlement fees range from 15% to 25%, depending on your state of residence and amount of debt.
Must live in a state that American Credit Card Solutions serves, $10,000+ in unsecured debt, legitimate financial hardship which is preventing the ability to pay creditors
Overall positive customer ratings — but it's only available in 25 states.
Consolidated Credit Debt Relief
Fees regulated by client's state of residence, can range from$0 to $69 with an average monthly fee of $35. No upfront or contingency fees.
Debt must not be payday loans or secured loans.
This debt settlement alternative can help you find a path to financial freedom.
Accredited Debt Relief
Charges and fees vary by the company you're ultimately connected with
Must be at least 18 years old and a legal US resident; additional terms may apply based on services and products used.
This A+ BBB-rated service offers free consultations to lower your monthly payments help you get out of debt faster.
CuraDebt Debt Relief
20% of enrolled debt or less, no upfront fees.
Must have verifiable income and more than $10,000 in unsecured debt or tax debt — excluding payday loans.
This company claims to significantly reduce your consumer and tax debt.

Compare up to 4 providers

Before you sign up with a debt relief company

Debt relief companies typically charge a percentage of a customer’s debt or a monthly program fee for their services. And they aren’t always transparent about these costs or drawbacks that can negatively affect your credit score. You might pay other fees for third-party settlement services or setting up new accounts, which can leave you in a worse situation than when you signed up.

Consider alternatives before signing up with a debt relief company:

  • Payment extensions. Companies you owe may be willing to extend your payment due date or put you on a longer payment plan if you ask.
  • Nonprofit credit counseling. Look for free debt-management help from nonprofit organizations like the National Foundation for Credit Counseling.
  • Debt settlement. If you can manage to pay a portion of the bill, offer the collection agency a one-time payment as a settlement. Collection agencies are often willing to accept a lower payment on your debt to close the account.

What is Fast Track?

Fast Track has been helping people solve their debt problems since 1998. Every debt relief program is custom-designed to suit your needs, which means the company can only disclose fees or costs after it meets with you individually. And though the company has been around for over 20 years, it lists no accreditations from industry organizations on its website.

What do customers say about Fast Track?

Fast Track has a spotty history of customer reviews as of April 2019. It isn’t accredited by the Better Business Bureau (BBB) and only receives a B rating due to the large number of complaints filed against it.

While it earns an 8.5 out of 10 rating on its Trustpilot page — all of its whopping seven reviews date back to 2014 or earlier. Though some customers were happy with their results, others say they experienced inferior customer service.

Is it safe to use Fast Track?

In general, yes — though no online company can ensure your information stays 100% secure. Fast Track does its part by encrypting any personal details you enter through its online form, as well as providing a clear, concise privacy policy that covers how your information is collected and used. It may share your info with third parties for promotional reasons, but you can opt out by calling or emailing the company.

However, be aware that the live-chat feature on its website is not secure, so we’d refrain from sharing any sensitive information through that platform.

How do I get started?

You can call Fast Track at 888-332-8004 or fill out a contact form on its website to sign up for a free consultation. Here’s how to get started online:

  1. Visit Fast Track’s website and click Get a Free Quote.
  2. Enter your full name, phone number and email address.
  3. Select the amount of unsecured debt you have and your state of residence.
  4. Click Get a Free Quote.

A debt specialist should reach out to you within 24 hours to discuss your situation.

I’ve signed up. What happens next?

After you sign up for a free consultation, you’ll meet with a Fast Track debt specialist to discuss your options and find a program that fits your needs.

If you end up going with debt settlement, you’ll likely make one payment every month into an escrow account while Fast Track negotiates with your creditors. Once it’s able to reach a settlement with your creditor, it’ll use those funds to pay it off. You’ll continue this process until all of your debts have been repaid — which can often take several years.

3 tips to make a debt relief program a smart financial move

  • Avoid taking on new debt. Focus on paying down the debt you already have rather than adding a new loan or credit card to the mix. Even if you do qualify, rates will likely be on the higher end, which could end up costing you even more in the long run.
  • Stick to your budget. Fast Track will work with you to set up a budget to complete the program on time. Since less than 10% of individuals enrolled in debt settlement even complete the program, sticking to a budget can help ensure you do.
  • Stay patient. Debt settlement can take several years, so don’t get frustrated if you don’t see results immediately. While it can take time for Fast Track to negotiate with your creditors, the payoff will be worth it in the end.

Bottom line

Fast Track offers several debt relief programs, whether you’re looking to consolidate your debts or negotiate with your creditors. However, it’s unclear about what fees or costs you may be charged. And there’s no guarantee it’s available where you live.

See how it stacks up to other providers with our guide to debt relief companies.

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