I can guarantee those letter processes work, I did this with another group called get out of debt free in 2015/2016 for five credit cards some banks some store. Yes I was a CC junky back then $120k in total , All gone. used for debt collectors as well and a couple of solicitors, of which I think were in house with the banks. I never answered emails or phone calls and especially private numbers. still don’t but after doing the letter processes they stopped harassing me pretty much after 12 months. I still stayed alert as after not sure if six or seven years it goes to debt forgiveness… Hint: always have a post box address, and if you can a letter box address not at your residence you live at, just keeps the hounds away. Plus once you get out of the ccdebt you must stay in honour and not go into debt again. live within your means, great feeling