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Fast Track Debt Relief


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LAST UPDATED: June 14th, 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 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 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.

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.

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 student loans, total debt can actually be lower than $10,000 in unsecured debt.

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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1-(844) 210-8463

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Ann Roach

Overall, my experience with Fast Track has been excellent. My accounts were settled one by one in a timely fashion and after changing my initial representative, my customer service was exemplary! Great job, Marsha and Evelyn! Thank you so much!

4 years ago

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Teresa melton Saint Louis, MO

Currently in their program and have nothing but nice things to say about the level of customer service. They have successfully settled 2 accounts for me and I have a few more to go. They understand what we are going through.

4 years ago

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Mamie Bell Auburn Hills, MI

It was sometimes a little difficult to reach anyone to talk to about my account but they eventually returned my calls. My overall experience was good.

4 years ago

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Faster Track is excellent in every way to settle your debt promptly and efficiently. I give them a head's up on their ability and excellent communication with their clients.

4 years ago

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Debra Anderton

Fast Track has walked me through each step of the way from Armando P. to Katie M. to Daisha M.. Very friendly and understanding.

4 years ago

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Joyce Mount Holly, NJ

Very productive and helpful in helping me to eliminate my debt in 36 months.

3 years ago