Settling debt on own

Since my BK was dismissed (they wanted $1500/month, which I do not have), I am goign to try to settle some of my credit card debt myself. Is the best way to call the individual companies and offer a set reduction, no late fees, and no interest, and tell them what I can afford a month? I figure if I could pay each company some a month, or at least a few companies, and get them paid off (for a reduction). I know I would need it in writing. Is it best to start this way and follow up with a letter? The other thing I thought was to do this with a few companies and then in a few months, get with a debt settlement for the remaining few.
Any help appreciated. Thanks