Fast Track Debt Relief Review

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Fast Track Debt Relief

Fast Track Debt Relief

overall rating

Our Take 

In business since 1998, Fast Track Debt Relief is a debt relief agency that can help people pay off their unsecured debt using debt settlement. The company may also help you get a debt consolidation loan, but its lack of clarity and detail regarding program costs and qualifications, along with numerous consumer complaints, is troubling. It’s recommended that you select a more transparent, accredited company.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
  • Debt consolidation loans are available

  • Live chat is available

  • Financial education blog is regularly updated

  • Fees aren’t disclosed

  • Qualifications aren’t disclosed

  • No online client portal

Key Takeaways
  • Fast Track Debt Relief isn’t accredited by either the AFCC or the IAPDA.
  • The company doesn’t share its normal hours of operations on its website.
  • Although Fast Track Debt Relief says its services aren’t available in all states, it doesn’t provide its service area.
  • Many customers noted they experienced billing issues with Fast Track Debt Relief such as being charged fees before receiving services.
  • Year Founded 1998
  • Types of Debt Relief Unsecured debt
  • Fees Not disclosed
  • Average Repayment Period Not disclosed
  • Accreditations None
  • Minimum Debt Not disclosed
  • Official Website


Fast Track Debt Relief is a debt relief provider that, in addition to debt settlement services, may also be able to help you get a consolidation loan for your credit card debt. The company claims to have helped clients settle up to as much as 40% of their debt.

Read on to learn more about the debt settlement program offered by Fast Track Debt Relief.

Since many creditors won’t agree to settle and it can ruin your credit, you should only pursue debt settlement as a last resort after you’ve exhausted all other options.

Company Overview

Fast Track Debt Relief was founded in 1998 and is headquartered in Fort Lauderdale, Florida. It is unclear about its fees, program requirements, and types of unsecured debt it can help you negotiate. 

The company is not accredited by the American Fair Credit Council (AFCC) or the International Association of Professional Debt Arbitrators (IAPDA), and its services are not available in every state. Although it’s not unusual for debt relief companies to limit their service areas, the best debt settlement providers include state-by-state service area listings on their websites. Fast Track Debt Relief does not provide this information.

Our review of Fast Track Debt Relief didn’t reveal any recent government lawsuits or actions against the company at the state or federal level.

Debt Relief Options

Debt relief providers can help you negotiate settlements with unsecured debt creditors in an amount less than you owe. This can include credit cards, medical bills, and unsecured personal loans. However, Fast Track Debt Relief doesn’t specifically discuss the types of unsecured debt it can help you resolve.

Besides not providing details about the specific types of debt it can help settle, Fast Track Debt Relief also doesn’t disclose what it takes to qualify for its debt settlement program. Many debt relief providers require at least $7,500 to $10,000 in unsecured debt, and you’ll usually need to be experiencing financial hardship (e.g., illness or death in the family, unemployment) to qualify. 

Fast Track Debt Relief doesn’t disclose whether you’ll need to meet any of these qualifications, or if there are any other criteria you’ll need to meet, to enroll in its program.

Debt settlement companies don’t work with secured debt (e.g., auto loans) and federal student loans since it’s unlikely that these creditors will agree to settle.


Before you enroll in services with Fast Track Debt Relief, you’ll be able to speak with an agent to get a free quote. Debt settlement companies commonly offer free debt consultations since they are prohibited from charging upfront fees. 

Besides saying it offers a free quote, Fast Track Debt Relief doesn’t provide any other details about how much its debt settlement costs or when its fees are charged (although it does provide a chart of its top settlements). Furthermore, Fast Track Debt Relief doesn’t disclose its typical program duration. These details are usually clearly disclosed by debt relief providers.

Most debt settlement providers charge 15% to 25% of total enrolled debt in fees, with their programs typically taking 24 to 48 months to complete. If the company doesn’t share this information upfront, make sure to ask your counselor during your initial consultation.

Fast Track Debt Relief doesn’t provide any guarantees about any savings you may be able to experience or how long it might take you to complete its debt settlement program. This is a good practice since every financial situation is different, and some creditors may not even be willing to agree to a settlement.

If you decide that a debt settlement program is right for you, make sure you clearly understand the provider’s fee structure before enrolling. You should never be required to pay a fee until the company has successfully negotiated settlements with your creditors, you’ve approved the settlements, and you’ve begun making the agreed-upon payments. Avoid working with a debt relief company that wants to charge an upfront fee, as this is prohibited by law.

Customer Service: Hours of Operation Aren’t Published

To speak with a Fast Track Debt Relief customer service agent by phone, you can call (toll-free) 1-888-332-8004. You can also send an email to Unfortunately, the company doesn’t publish its hours of operation. The best debt relief companies clearly state their normal business hours on their websites.

In addition to phone and email support, the company has a live chat feature available when the Fast Track Debt Relief’s employees are available, although it’s unclear when they’re in the office. When you submit a request for a live chat, you have to enter your email address. If a customer service agent isn’t available, you’ll get a message that someone will respond to you when its employees are back in the office. Live chat is a value-added feature that’s not offered by much of the competition.

Customer Satisfaction: Billing Issues Are Common

We reviewed many sources of customer reviews to gain insight into what it’s like to do business with Fast Track Debt Relief. There are quite a few positive reviews from individuals saying they had a pleasant customer service experience and many customers said they were able to get their debt issues resolved satisfactorily.

However, there is a larger pattern of negative reviews from customers about Fast Track Debt Relief’s program. Some of the most troubling reviews suggest consumers were charged fees upfront or without receiving the agreed-upon services. Numerous reviewers cited similar concerns.

Debt relief providers are prohibited by law from charging upfront fees. If a provider wants to charge you an upfront fee, you can file a complaint with the FTC. 

Many reviewers also said they experienced issues with a company named Golden Law that was providing services on behalf of Fast Track Debt Relief. We looked for references to Golden Law on Fast Track Debt Relief’s website (and vice versa) but didn’t find anything. It is unclear whether Golden Law is a referral partner of Fast Track Debt Relief, if they were authorized to work on behalf of Fast Track Debt Relief, or if there are other circumstances around the relationship. This is concerning, as clients should know what company they are directly working with.

There also seemed to be some confusion from reviewers about how long it would take to complete the program. 

Overall, the pattern of reviews about Fast Track Debt Relief suggests many customers are not satisfied with the services and support they received.

Account Management

Fast Track Debt Relief doesn’t provide information about how you’ll manage your account after enrolling in its services. Its website also doesn’t include a link to a client portal. Most debt relief companies offer a client portal that can be used for account management purposes 24 hours a day, 7 days a week. Plus, the best debt relief companies provide information about what types of communication clients can expect after enrolling in services (e.g., monthly email updates).

Other Features

In addition to offering debt settlement services, Fast Track Debt Relief may be able to help you consolidate your credit card debt into a single loan. If you decide that a debt consolidation loan is the debt relief method you want to pursue, Fast Track Debt Relief will connect you with one of its preferred lenders. The rates charged by the lenders Fast Track Debt Relief uses typically fall in the range of 3.99% to 29.99% APR with loan terms ranging from 12 months to 84 months. 

Besides providing debt settlement solutions and debt consolidation loans, Fast Track Debt Relief also has a blog with free financial education resources, which is an advantage, as many debt relief companies don’t provide these educational resources on their websites. 

How Fast Track Debt Relief Compares to Other Debt Relief Companies

One of the primary competitors to Fast Track Debt Relief is National Debt Relief, a well-known debt settlement company. While both companies can help negotiate settlements on unsecured debt, like credit cards, National Debt Relief also works with private student loans and unsecured business loans. 

Some of the other key differences between Fast Track Debt Relief and National Debt Relief are as follows:

  • Fast Track Debt Relief doesn’t disclose how much it typically charges in fees for its debt settlement program. 
  • National Debt Relief typically changes fees of 15% to 25% of the total debt you enroll in its program. 
  • Fast Track Debt Relief doesn’t disclose what it takes to qualify for its program, including if it has any minimum debt requirements.
  • You need to have at least $7,500 in qualifying debt to enroll with National Debt Relief.
  • While Fast Track Debt Relief doesn’t have an online client portal, you can manage your account 24 hours a day, 7 days a week, by logging into National Debt Relief’s client dashboard.
  • Neither the AFCC nor the IAPDA accredits Fast Track Debt Relief.
  • National Debt Relief is accredited by AFCC and IAPDA

When comparing Fast Track Debt Relief to National Debt Relief, the better option is National Debt Relief. Not only is National Debt Relief more transparent about its debt relief program, but it is accredited by both the AFCC and the IAPDA, and you can manage your account any time you want by logging into National Debt Relief’s client portal.

Read our full National Debt Relief review.

  Fast Track Debt Relief National Debt Relief
Year Founded 1998 2009
Types of Debt Relief  Unsecured debt (e.g., credit cards)  Unsecured consumer debt (e.g., credit cards), private student loans, unsecured business debt 
Fees Not disclosed  15% to 25% of total enrolled debt 
Minimum Debt  Not disclosed  $7,500 
Online Client Portal  No  Yes 
Accreditations  None  AFCC and IAPDA
Final Verdict

Although Fast Track Debt Relief has been in business for a long time, it isn’t upfront about its debt settlement program. The company does not disclose what it takes to qualify for its program and doesn’t provide details about its debt settlement program fee structure. This is basic information that debt relief providers should disclose. 

Furthermore, Fast Track Debt Relief isn’t accredited by either of the most well-known industry associations. While there’s no guarantee that companies belonging to these organizations will be reputable, at a minimum, this type of membership demonstrates the company’s commitment to making sure its employees are well-versed in the laws governing the debt relief industry. 

Rather than using Fast Track Debt Relief, it is recommended to select a debt settlement company that’s fully transparent about its product offering.


All of our reviews of debt relief companies are based on extensive research and analysis of each company’s offerings, customer service, pricing, years in business, accreditation, and more. To rate Fast Track Debt Relief and other providers, we developed a debt relief review methodology that compares the debt relief options offered, additional features, fees, success rates, and reported customer experiences to help us provide insights into things like customer service and the strength of each company’s offerings.

You can read our full methodology for a complete description of how we reviewed each company.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Better Business Bureau. "Fast Track Debt Relief, LLC." Accessed May 16, 2021.

  2. Federal Trade Commission. "Debt Relief Services & the Telemarketing Sales Rule: A Guide for Business." Accessed May 16, 2021.