Fast Track Debt Relief Review

ByBestmoney StaffJul. 31, 2019

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In a Nutshell

Fast Track Debt Relief specializes in negotiating debt settlements on behalf of its clients. If you owe a certain amount of unsecured debt to one or more creditors, Fast Track may be able to get those creditors to reduce the amount of money you owe.


  • Free consultation
  • Fees reportedly go as low as 15% of total debt
  • Serves residents of 34 states


  • Only help with unsecured debts
  • Not a member of any major trade associations for debt-relief

Fast Track Debt Relief Fast Track Debt Relief Visit Fast Track Debt Relief

Why Go with Fast Track Debt Relief

Judging from customer reviews, Fast Track is competitive with other debt relief services in regard to fees and outcomes. Although Fast Track’s website doesn’t offer any information about fees, it reportedly charges clients as little as 15% of their total debt in return for negotiating a debt settlement on their behalf—putting it on par with some of the other leading debt-settlement negotiators in the industry. 

According to a summary of “top settlements” published on Fast Track’s website, between January and September 2018, Fast Track helped thousands of customers reduce their debts by 55%-90%, at an average of 64% debt relief per creditor. Going back to 2012, it says it has helped thousands of customers reduce their debts by 20-90%. Individual debt amounts per creditors range from hundreds of dollars to more than $40,000.

Let’s assume you qualify for the average settlement. Fast Track would get your creditors to settle for $1,800 and charge you at least 15% of your total debt, or $750. In this example, you’d end up paying $2,550 in total (to your creditors and Fast Track) instead of $5,000—a savings of almost 50% (or 49% to be exact).

Fast Track doesn’t offer any guarantees about what it can achieve for each individual client, and its website lacks updated pricing information, but assuming it can help you achieve what it claims to achieve for many other clients—then you’d be getting a good deal.

What's Offered

Fast Track only offers debt-relief services through third-party partners. It doesn’t offer any of the related services typically associated with debt-relief companies, such as credit counseling or debt consolidation. 

As with other debt-settlement companies, it would be accurate to say that Fast Track considers clients on a case-by-case basis. If it believes it can successfully negotiate your debt to the point where it can collect a reasonable fee and save you a reasonable amount of money—it will take you on as a client.

Here are the basics of how Fast Track’s program works:

  • Client requests a quote, and one of Fast Track’s agents calls client back within 24 hours for a no-obligation free consultation.
  • Your assigned debt specialist will explain Fast Track’s program and its strategies to negotiate your debts in detail.
  • You and Fast Track work together to create a custom debt resolution program.
  • Fast Track opens negotiations with all of clients’ creditors and reaches a debt settlement for less than what you owe.
  • Client makes monthly payments to an FDIC insured dedicated savings account to accumulate funds.
  • Fast Track notifies your creditors to cease contact with you and begins the negotiation process based on the funds in your savings account.
  • With your consent, terms are agreed upon and you pay your new accounts through Fast Track.


Fast Track specializes in debt settlements or, in other words, successfully negotiating with creditors to get its clients’ debts reduced.

Highlights include:

  • Free consultation
  • Debt reduced by 20%-90%
  • Debt settlements for amounts of $500 to $40,000+

Types of Debt Covered

Fast Track Debt Relief offers debt relief services for unsecured debt, such as credit card debt, unsecured personal loans, and unpaid medical bills. It serves customers in 34 states and DC.

Unfortunately, Fast Track doesn’t offer services for any secured types of debt. It can’t help with any debt linked to collateral, such as a car loan or mortgage, or tax debt with the IRS.

Site Security

In order to get a quote, applicants are asked to fill out only your first and last name, phone number, email address, state, and level of total unsecured debt. Fast Track doesn’t ask for any sensitive information at the application stage. There’s no need to enter your home address, employer information, or Social Security number into the online form.

Fast Track isn’t a member of the AFCC or IAPDA, the 2 main trade associations for debt-relief companies. This in itself doesn’t mean Fast Track is any less secure than other debt-relief services, but it does mean Fast Track lacks an official seal of approval and that it hasn’t been independently verified for meeting the highest industry standards. That said, those certifications are not required for practicing in this field.

Help & Support

Trustpilot gives Fast Track a total score of 8.5/10 based on a handful of customer reviews since 2013. Although Fast Track hasn’t received as many customer reviews as you’d expect from a company operating for more than 6 years, the reviews are overwhelmingly positive and attest to the fact that Fast Track has helped many individuals from around the US negotiate successfully with their creditors. Reviews from ekomi show an average score of 4.9 (out of 5) stars, and Google Reviews lists 4.8 stars.

Fast Track offers customer support by live chat or through its toll-free phone number below. It also promises to call applicants within 24 hours of filling out an online request for a free quote.

Physical Address

Fast Track Debt Relief, Inc.

1901 Cypress Creek Rd. Suite 400

Ft. Lauderdale, FL 33309

Contact information


Fast Track Debt Relief Fast Track Debt Relief Visit Fast Track Debt Relief

Fast Track Debt Relief customer testimonials

ExcellentReviews 7
TrustPilot is the world’s most powerful review platform, free and open to all.
  • author
    Sherri M.
    Jul 16, 2014
    VERY GOOD Experience!!!

    I contacted this company because I was looking for a loan. I thought that as long as I had debt, a debt consolidation loan would help me, but boy was I wrong. I was contacted by Shelly, and she educated me on all my debt relief options, and what would be better for me financially based on my financial needs. I enrolled in their program almost 12 months ago, and more than 80% of my debt has already been settled. I am so happy with my experience and the services. Thanks FastTrack Debt Relief!!!!


  • author
    May 11, 2014
    Fast Track helped us through tough times

    We had over $20k in debt when my husband lost his job. We enrolled with Fast Track and they were able to cut our monthly payments in half. It gave us the relief we needed to get through that tough time.


  • author
    Feb 10, 2014



  • author
    Lisa H
    Jan 23, 2014

    Fast Track helped me with all my debt and saved me almost $500 each month off my debt payments. As a single Mom, I was in danger of losing my car because of my high credit card payments. Fast Track was able to take care of my debt and saved me enough money each month that I was able to afford my car payments and now have money left over each month to take my daughter out to the movies and for pizza. Thank you Fast Track!!!


  • author
    Steve R.
    Jan 02, 2014
    They got me out early

    I just completed my debt relief program with Fast Track Debt Relief. They got me lower settlements than what was budgeted for and got me out of the program 6 months early. Everyone was very helpful and understanding in such a difficult time in my life.


Fast Track Debt Relief