I have 5 credit cards (5 different companies) that I would like to negotiate to a lump sum payoff for each one but, I do not know where (or how) to start. I see several references to a "DV Letter" but I have yet to find the actual letter. Is this an initial letter that I send to the companies or, do I call each company first and... if I call each one, how do I start the converstaion off?