I have some money coming in. I would like to neg.

You can contact the individual creditors and negotiate with them for lower payments. If you cannot negotiate with them on your own, then you can take the help of a debt relief company who can help you negotiate with your creditors for lower payments.

First, in order to negotiate a settlement you must be delinquent on your accounts. If you are not delinquent, are you willing to take a hit on your credit score?

If you are already behind, then I would suggest that you do a search on the website of the banks that hold your credit cards, and read how others have managed to settle. There is a wealth of information on this website, and you don't need to hire a debt settlement company and pay them fees to do something that you can do yourself. I settled with Bank of America (2 accts), Citibank, Chase, HSBC, Discover and negotiated payments with Capital One - all with the help of this site.