Would it be better to get into a debt management plan or settle when it goes to collections?

I have a credit card debt of about ,600.00 with a major credit card provider. They are charging me 24.99% interest. The minimum payment is around 0.00 and 0.00 of this is interest. What would be the best thing to do? Should I use a debt management program to pay it off or stop paying [...] http://bit.ly/mcv7YE