Fast Track Debt Relief, as the name suggests, is a debt relief company focused on fast settlements. This is very important when it comes to debt settlement, because the longer that the process goes on, the more interest will accrue and the higher the risk of litigation will be.

In this guide we'll look at Fast Track Debt Relief in more detail to see if they can live up to the promise that their name makes.

Fast Track Debt Relief Review

About Fast Track Debt Relief

Fast Track Debt Relief are based in Florida and were founded in the spring of 2008, which means they have been going strong for over a decade at the time of writing. As mentioned above, speed is key with this debt settlement company and they aim to clear all debts within 3 years, which is a good 25% quicker than their competitors.

Basic Information

  • Address: 6973 W Commercial Blvd, Lauderhill, FL 33319-2119
  • Web Address:
  • Date of Founding: 3/3/2008
  • Contact Number: (888) 332-8004
  • BBB Accredited? No.

The Services

Fast Track Debt Relief offer debt relief programs that include settlement, consolidation and counseling. Settlement is where they do most of their business and make most of their money and it's also the area that we focus on in our own Fast Track Debt Relief review (see below).

The price of these services will depend on the situation and the exact service that you choose, but you can begin the process with a free consultation to get a better idea of this. We have listed their phone number above, but you can also use the Live Chat feature on their website, which seems to be staffed during normal working hours.

Debt settlement does not incur charges until after the debts have been settled, as an FTC ruling made in 2010 banned all upfront charges.

The Reviews

There are a lot of good reviews for Fast Track Debt Relief on aggregate review sites, and even on sites where we wouldn't expect to see a majority of positive comments. They are quick to respond to bad reviews and to calm angry customers and they are also quick to respond to complaints and resolve the issues quickly. There is a lot to like here, but we'll delve into more detail with our own Fast Track Debt Relief review.

Our Fast Track Debt Relief Review

We promised our own Fast Track Debt Relief review, and here it is. This review was first penned in 2017 and has been updated many times since. It will continue to be updated to ensure we catch all of the latest changes within this company.

The Good

Performance Based Model

Fast Track Debt Relief has a team of professionals on hand to negotiate and settle client debt at a massively reduced rate. Their website boldly claims that they work “for you, and not your creditors”. It seems like a redundant statement, as we would expect that to be true of all companies in this sector, but we can't argue with their results and the many good reviews that follow them around.

The price of their services differ great because of their performance based model. In most cases their debt settlement program costs around 15% of the original debt amount, but it can increase to around 25%, with an average that is somewhere between these two. As we have mentioned already, they try to settle these debts with 36 months in order to reduce the risk of litigation.

Free Consultation

Just like all good debt settlement and debt management companies, Fast Track Debt Relief offers all new clients a free consultation, during which clients can determine if this company are a good fit for their needs.

If the client qualifies for the program, they will be asked to create an account and to deposit funds into this account every month. The negotiation process will commence when a specific amount of money has been deposited into this account. When the client agrees to a settled amount, funds will then be transferred from the escrow account to the creditors, and only then will Fast Track Debt Relief collect their fees.

No Upfront Fees

As mentioned above, there are no upfront fees charged by Fast Track Debt Relief. This is not unique and it's actually against the law for companies in this sector to charge any upfront fees, but it's still not unusual for companies to charge admin fees and escrow account fees. Fast Track Debt Relief also have a no penalty guarantee which gives you a chance to pullout without incurring any losses if you feel like it is not going your way.

Fast Track Debt Relief

The Bad

Lacking Transparency & Accreditations

Fast Track Debt Relief is not the most experienced of companies in this sector, although they have come along way in the short time since we first published this review and made that statement. This is therefore not much of an issue, but what is an issue is the fact they are not transparent and they also lack other key information on their website.

They also do not have an accreditation with the AFCC, which is also something to be concerned about. To make matters worse, Fast Track is only available in 20 states, limiting the availability for millions of Americans.

High Minimum Requirement

Clients must have at least $10,000 of unsecured debt to qualify for the Fast Track Debt Relief settlement program. This is less than some of the companies out there, including the likes of Trinity Debt Management, who have a minimum of $30,000, but it's higher than the companies towards the lower end (Ooraa are a good example) with minimums of just $4,000 and $5,000.

Difficult to Navigate Website

The company’s website is very difficult to navigate with too many tabs of information on debt relief, management and settlement. They had a newsletter for 2 years, but it appears that has stopped as we haven't seen or heard from it for a couple of years now. There is also a resources section and this shows that they are trying, but there are still some issues.

The Bottom Line

Fast Track Debt Relief is a credible business with a lot of high points, and we would definitely recommend getting in touch with them and seeing if they have what it is you're looking for. We do have a few concerns with this company, as discussed in our review, but it's definitely worth including them in your search. Assuming, that is, that you reside in one of the states that they cater for. 

If you can't signup for the debt settlement program that Fast Track Debt Relief provide then try some of our other highly rated companies instead, including ClearOne Advantage and Debt RX.