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Fast Track Debt Relief

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LAST UPDATED: September 20th, 2022

Fast Track Debt Relief is a debt settlement company that includes the customer in the debt settlement planning process. For more than a decade, Fast Track Debt Relief has offered debt settlement services to help consumers find relief from crippling debt and reach financial goals. It has a minimum unsecured debt requirement of $10,000. Although the company lacks many important industry accreditations, many clients have reported great experiences.

The company differentiates itself from others in the industry by the fact that it has a nationwide paralegal network. Additionally, the company provides full legal representation for all clients, free consultations, and takes pride in its customer satisfaction.


The Good

  • Free Consultation
  • Detailed Debt Relief Program
  • Money-Back Guarantee
  • Customer Service

Free Consultation

Fast Track Debt Relief offers free consultations to potential clients who are interested in its services. Because the company employs debt relief experts with years of experience, a free consultation can reveal multiple avenues for becoming debt free.

Detailed Debt Relief Program

FTDR's debt settlement program is simple and clear. First, debt settlement customers will review their debt and determine their financial distress with the debt experts and debt counselors at FTDR.

Next, clients will assist FTDR's debt counselors in creating a customized debt resolution to map out their road to financial stability. After those initial steps, customers will begin to make a predetermined monthly payment into a special savings account to be used to negotiate with a creditor or creditors. The money in this account will be used to make settlement payments to each lender.

With its the debt settlement program, clients work with debt relief experts at Fast Track Debt Relief to establish a savings plan to settle their debt without paying any upfront fees.

Money-Back Guarantee

Customers do not pay anything until some of their debts are settled. The company also offers a 100 percent money-back guarantee.

Money-back guarantees are rare in the debt settlement industry because they ensure that the company is confident enough in its debt relief experts that it will give clients their money back if it doesn't work out.

Customer Service

Fast Track Debt Relief will set clients up initially with a professional negotiator to handle their case. People who have contacted FTDR say the representatives are very helpful and able to walk them through the settlement process. Clients are well-informed throughout the entire settlement program.

Customers receive a personal enrollment agent through the entire settlement process. One new FTDR client said they appreciated that they were given a quote right away. The ability to have one point of contact throughout the entire process ensures that clients have easy access to information about their account and answers to their questions.

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The Bad

  • No Accreditations
  • Unclear Service Variety
  • Limited Availability
  • High Minimum Debt 
  • Limited Cost Information

No Accreditations

Though Fast Track Debt Relief does have years of industry experience, the company does not appear to be accredited with the FTC, AFCC, or IAPDA. Accreditations such as these generally ensure expertise and fairness within the debt relief industry. Though lack of industry accreditation is no guarantee of unreliable debt settlement services, accreditations do serve as a roadblock to predatory debt companies.

Unclear Service Variety

There is more than one way customers can become debt free. The company's primary debt relief service is its debt settlement program, which is made quite clear on the website. Fast Track Debt Relief also describes the benefits of other debt relief options, such as debt consolidation, credit counseling (debt management), bankruptcy, and making minimum monthly payments (on your own).

It is unclear if the company offers any of these additional services, though it is clear it does offer debt settlement. Fast Track Debt Relief presents its debt settlement services as the smartest, cheapest choice, which may be true depending on your personal financial situation—especially if your debt or the accumulation of multiple debts you have exceeds $10,000.

The difference between debt settlement and debt consolidation is primarily the effect on your credit score. Because debt settlement usually requires customers to stop paying their debts, it can have a negative effect on your credit score but is typically quicker and cheaper than debt consolidation.

A debt consolidation loan involves taking out a personal loan in order to pay off all of your debts (turning many debts into one); the advantage of debt consolidation is that you turn many monthly payments into just one monthly payment with one, preferably lower, interest rate. When deciding between debt consolidation care or debt settlement, it's mostly up to personal preference, as there are multiple roads to financial freedom.

While Fast Track Debt Relief may or may not offer more debt relief services than debt settlement, the information about debt relief options on its website shows that the company works to ensure that clients make good decisions about resolving their debt.

Another service not mentioned is whether or not the company can help you stop debt collector calls by rerouting those calls directly to the company. Some debt relief companies make it a point to offer this option or let you know what to do when a debt collector calls you while you are enrolled in a debt relief program, but we don't see any information about this on Fast Track's site.

Limited Availability

Fast Track Debt Relief has disclosed that it operates in 35 states in the U.S.; however, it is unclear which states Fast Track Debt Relief operates in. Potential customers are encouraged to reach out to the company for more information. Compared to bigger debt relief companies like Freedom Debt Relief, Accredited Debt Relief, or National Debt Relief, Fast Track Debt Relief offers little information about state availability.

High Minimum Debt 

Fast Track Debt Relief does not accept anyone with under $10,000 in unsecured debt. This is higher than some competitors. Sometimes, in cases of credit card debt or personal loans, total debt can actually be lower than $10,000 in unsecured debt.

Unsecured debt is any form of debt owed to a creditor that is not secured by some type of asset. Examples of unsecured debt include credit card debt and personal loan debt. On the contrary, examples of secured debt include mortgage debt or a car loan. Most debt relief companies, including Fast Track Debt Relief, only work with unsecured debt, since secured debt is not able to be negotiated since it represents real assets.

Limited Cost Information

The company insinuates that customers will have one low monthly payment to pay off their debt through Fast Track Debt Relief's debt settlement program. This is true since customers must make monthly payments into a special savings account that will be used to pay off creditors (instead of the normal payments to creditors; this is the reason debt settlement lowers one's credit score).

The actual fee charged to Fast Track Debt Relief is not mentioned on the company's website. The industry average for debt settlement fees is between 20 and 25 percent of the total enrolled debt. Some companies charge as low as 15 percent. The reason many debt settlement companies do not disclose fees is that it varies according to each customer.

Make sure to ask what the company's debt settlement fee is and other questions you have about the settlement process when you have your free consultation with a debt relief specialist from Fast Track Debt Relief.


The Bottom Line

Fast Track Debt Relief is not a debt consolidation company. Instead, FTDR offers quality debt settlement services that include consultations, negotiations, a money-back guarantee, and highly rated customer service. If you are overwhelmed by credit card debt or other kinds of unsecured debt, the settlement company can help you resolve your debt.

Because there is more than one way to become debt free, it's important to compare this company's services to those of other top-rated companies. It's also a good idea to explore consolidation options and debt management plan options, especially if you're more interested in debt repayment strategies than overall debt reduction.

However, if you're looking for debt reduction, a settlement program is a good way to do that. If you meet Fast Track Debt Relief's requirements by having at least $10,000 in debt, we recommend reaching out to Fast Track Debt Relief to see if it will be a good experience for you.

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Christy Weathersby Humble, TX

This company is a scam (ALSO UNDER Goldenlaw LLP). I fell on hard times over the summer with my health and missed a few credit card payments and considered a settlement company. These people scammed me and the expense of my health! They talk a good talk to get you in but they are horrible and only after money---the worse part is how they deceive you in doing so. They project themselves as a settlement company and I was told that I would be paying for their services in doing this. I was only told that I be paying 8% of the money put into an escrow account monthly for their services. Little did I know, they charge me over 80% of what I was putting in to the account monthly. Not to mention, I never received a signed copy of the contract until about 2 weeks ago (according to their own contract it states that the agreement is null and void until after BOTH parties received an executed *aka signed* copy of the agreement) AFTER I requested it realizing it was NEVER sent to me---even though I signed it back in the beginning of September--with a notary---NOT a representative of their scam company. When confronted about their terrible customer service (I kept getting different answers from different people, they didn't even recognize a solicitation letter and told me it was a settlement letter from one of my creditors) and the deceptive practices, they denied a full refund and only wanted to give me 15% of 3 month payments I had already made (700 dollar each month). After doing some research and consulting an attorney, I found that it is ILLEGAL for any for profit settlement company to charge up front fees for services. They HAVE to have a settlement agreement with the creditors or the 3rd parties that now have the debt, that you also have to agree with in order to take out service fees. This is under the federal trade commissions telemarketing sale rule or TSR. There was never a even settlement presented to me. I do not want anyone to be ticked into this company's nasty schemes.

3 years ago

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Denise G. Eastman, GA

Fast track went through the motions of setting everything up advertising on their website no upfront fees get all my debt information bank draft the amount I will need to pay in order to get debt free, however not one time telling me that I would be in turn be sourced out to another company Frontier Law Group who collects most of what I pay each month. Never settling any debt, I even started sending extra money and when the account begin to build them a few accounts were taken care of. What does Fast track have to do with Frontier Consumer Law Group. BEWARE of these two companies.

3 years ago

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Ron Goze Hammond, IN

Bad Bad Bad, I recieved a letter in the mail so I called in hopes to get help with my debt. Filled out the info in the email that Steve Preciado sent me. He stated that it would be reviewed and I would hear back with in a few days. Over 3 weeks later 2 calls and 2 emails still no respose. This company is is a damn joke. Scam Scam, if you take any money from me , I will fly my ass to your office. I see Ashey gave them a 10 she must work for them.

5 years ago

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Lequosha Drake

This company took money out of my account and didn't do anything to help me with my debt. Worst mistake i ever made.. Horrible Company...SCAM SCAM Don't do it

5 years ago