Yes, it does. It is not only sending out letters but, also using the consumer protection laws that are currently in place for your benefit. 

We have been cleaning credit since 2004, what we have found is that it will generally take about 8 to 10 months for full services. However our programs are all 8 month programs to give you the benefit of a starting & stopping point to evaluate not only our performance but for you to see if it is working for you.

We have a program that will fit any budget and any skill level. For those of you that want to do-it-yourself we have a program for you. Those of you that want the professionals to the work, then either the Economy program or the personal coach of the Praxis Credit Repair will server you well.

Absolutely, Any one can do the work, process isnt that difficult, it's the experience you need to have to make sure you don't do permanent damage to your credit by not understanding how the credit laws change & tricks of the credit bureaus. 

This is why we keep the services affordable & give you the shorter terms then our competitors, so that you stay in control. 

While it is truly difficult to say explicitly how a credit score will be affected, it is clear that a credit score could face a hit, not allowing you get the best rate on insurance, loans, or jobs.

Outside of this it is important to understand the laws of your state depending on the type of credit line we are talking about. 
In “recourse” creditors, banks are able to go after (seek legal restitution) for the unpaid balance.  

It could be worth a one-time fee to an accountant to discuss the tax ramifications of the defaulted debt (Repo, Credit Card, Loan, etc)short sale. No matter if you live in a recourse state or a nonrecourse state, banks will undoubtedly dispense a 1099 making you liable for the income / relief of debt.

We have been in the industry since 2004 but one of the owners has been dealing with bad credit since 1999. Our proven system has been created from living through the challenges of bad credit not just reading it out of a book or a program online. We have developed proven technologies & systems that we can show you to improve your credit scores.

We have office locations in Phoenix, Arizona & Fort Worth, Texas.  Our online portal provides us ways to provide you secure responses so that we can now reach out to multiple areas of the southwest. Also using technology we can still do face to face appointments anywhere.

Well that is easy click this link to schedule an appointment to  so which options are best for you. Then follow the educational program of building, creating, & correcting your credit.