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Congratulations on taking a positive step to financial security and peace of mind.

Here is what to expect next.

1. Read the Customer Agreement. It answers many common questions and details our disclosures and privacy policy. You must check “I Agree” to be taken to the sign up page.
2. Fill out the Sign Up page and click the “Sign Up Now” button.
3. You will receive a call from one of our Debt Managers within 1 to 3 business days to discuss your Personal Debt Program and answer any additional questions you may have. Hopefully you have already received your online Free Debt Analysis; if so, your Debt Manager will receive a copy of it to aid them in helping you. If you have not gotten your free analysis yet; you may wish to go back and get your analysis first, prior to signing up.

Please take a few minutes to read the Customer Agreement.

Customer Agreement

I hereby understand that this agreement is between myself, hereafter referred to as “Client,” and Fast Equity LLC who shall act on my behalf and in my best interest as my debt manager, and is hereby referred to as “Administrator.”

Administrator recommends that the Client keep one credit card with a zero or low balance, to continue to use for identification and emergency use, and that the Client pay the monthly payments for this card outside of the Fast Equity Program. If the Client does not have a credit card with a zero or low balance, the Administrator recommends that the Client apply for a new credit card that they will not include in the Fast Equity Program to use for identification, car rentals, internet purchases, etc.

Administrator recommends that the Client take any credit cards entered into this program and put them together in a safe place, do not destroy them, but do not use them again. It will be our mutual intent to pay these debts off completely and not incur any new debt on these cards.

Program Objectives

The goal of the Fast Equity Program is to get the Client(s) completely out of debt in as short a period of time as is economically feasible given the amount of money they put into the program. Fast Equity uses strategies that include debt shifting, interest rate reduction, payment frequency, and when desired by Client; Mortgage restructuring. Refinancing is not required, but may be done if the client desires. If a mortgage product is implemented to consolidate debt, the Client will choose their own mortgage broker and may seek advice from Fast Equity on the selection of the broker if the Client so desires. Furthermore, there may be tax advantages to this strategy which the Clients should consult a tax advisor for advice. As a debt is paid off, the monthly amount paid to that debt will be rolled over to remaining debts in the manner called for in the analysis to accelerate their payoffs. The Administrator will analyze the Client’s debts each quarter to insure the program is working as efficiently as possible for the benefit of the Client.

Services Provided

Administrator agrees to provide Client with the following services

1) Council and work with Client to prepare a specific plan of action using Administrators proprietary program in order to pay off client’s current and future debts in an efficient manner thereby drastically reducing interest charges to the Client.

2) Using information provided by the Client, Administrator will open up a new Free Checking Account through Washington Mutual Bank to serve as a collection account for the transfer of funds to the Client’s creditors. This Account will be in the name of the Client and All Funds Are FDIC Insured. In the event the Client should cancel their agreement with the Administrator, any and all monies in the account will be accessible by the Client to transfer to any account they may wish.

3) Prepare Drafts or other payment orders against the above collection account in order to pay Clients creditors for the payment of authorized Client Debt obligations. Drafts will be prepared monthly and transferred on dates in accordance with timely bill pay procedures to ensure all bills are paid on or before their due dates, thus improving the Client’s credit scores.

Client’s Responsibilities

Client maintains responsibility at all times for direct contact with Client’s Creditors. Clients will continue to receive their monthly statements from their creditors and should keep them stored in a safe place. At least twice a year the Administrator will contact the client to verify all debt balances to compare with Administrators records. Client must notify Administrator of any increases in account balances, minimum payments, or mailing addresses should they occur. Remember that all accounts added into this plan are intended to be accelerated and paid off in full, and therefore Client should not plan on increasing any account balances once the program has started. Client will be on a program to pay off all debts, not to incur new ones.

Term of Contract

The initial term of this contract shall be for a one year term beginning on the date the application is accepted and shall automatically renew annually on each anniversary date of this contract unless client provides Administrator written notice of termination. Upon termination, Client and Administrator shall have no further rights or obligations with respect to each other. Administrator shall have the right to terminate this contract for repeated Insufficient Funds in Clients collection account set up for paying their creditors.

Fees

Fast Equity does not charge any Program Fees, up-front or sign-up fees. Client hereby authorizes Administrator to include the amount of the $50 as a monthly fee in the drafts issued from the Client’s collection account pursuant to the Authorization.

Insufficient Client Funds

In the event that the Client fails to maintain adequate funds (“Insufficient Funds”) in the Client Collection Account to allow payment of any of the Drafts prepared by Administrator as payment of Client’s Debt Obligations in accordance with the Payment Schedule, Client agrees that Administrator shall have no responsibility whatsoever for any Draft that is not honored or accepted and all late charges, penalties, interest and fees resulting from the nonpayment of any of such Debt Obligations shall be the responsibility of and paid by the Client.

Entire Agreement

This contract represents the final agreement between the Client and Administrator and may not be contradicted by evidence of any other alleged verbal or written agreement.

Disclaimer

Client acknowledges that the payment schedule and payoff schedule of Clients debts will be prepared based solely on the information provided by Client, and Client understands that Administrator is not responsible for any errors or inaccuracies in the payment or Payoff Schedules resulting from such information if such information is incorrect.

Disclosures

Starting Date

Clients are not in the Fast Equity System until confirmation from a Fast Equity Management representative and therefore the Client is responsible for any and all payments to their creditors until that time.

Creditor Information

Clients must review all information submitted to Fast Equity to confirm the creditor information is accurate and complete.

Credit Card Use and New Debt

Credit cards paid by Fast Equity should no longer be used by the Clients. New debt entered into after the program is begun, is subject to the terms of the agreement and will be treated as a change initiated by the Client.

Changes to the Program

All changes to the program initiated by the Client (changes in the creditor, new creditors, creditor address, account numbers etc., must be in writing or emailed to the clients in-house representative. Fast Equity must receive the information by the 15 th of the month prior to the change being effective. The Client may make as many changes as they desire and may add as many creditors as they wish; including selling their home, buying a new one, and adding the new home into the Program. Fast Equity may charge to the Clients account a $50.00 service fee for any changes made to the Clients account that involve the recalculation and analysis of the Clients debt program by a debt manager.

Limitation of Liability

Fast Equity LLC shall have no responsibility, risk, liability or obligation for the payment of any of Client’s Debt obligations, except to prepare and deliver the Drafts as provided in this contract. (The client will be paying their own debts through this accelerated program; Fast Equity will not be paying the Client’s debts) Fast Equity will not be responsible for any debt not paid should the Client fail to adequately fund their collection account set up through this program. This should seem obvious, but is worth restating in simple language (If the Client does not transfer the correct amount of money into the collection account, the Client’s debts cannot and will not get paid). The administrator will guide the Client through the process of properly having their bank or Credit Union Transfer funds into their collection account.

Privacy Policy

It is Fast Equity’s strict policy to protect their Clients’ information at all times. All Clients information will be kept private and will never be shared with, or sold to, anyone or any other company at any time. You may read the Privacy Policy in its entirety by clicking here.

Acceptance

By checking “I Agree” below, client hereby agrees to the terms and conditions set herein.