Credit card company letter procedures?

@pormadi (1300)
September 15, 2009 2:39am CST
I got the letters to send to the credit card companies. My question is what is the timing? Do you send it directly to your credit card company after they send their first late notice or wait until they send it to a debt collector? I read about the 30 day window, just would like more clarification about the 30 window so I get it right to begin with. My intention is to charge off 5 creditors with accumulated debt of 60K. Does anyone have any examples of letters that were successful in getting their account closed without going to court?
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