Debt Relief & Management

I have a credit card debt of about $9,600.00 with a major credit card provider. They are charging me 24.99% interest. The minimum payment is around $300.00 and $200.00 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 it all together and let it go to a collection agency where I could then settle with them and ask that when I settle that they remove the negative information from my credit report?

these are good at what they do and BBB approved etc: http://www.esuperfind.com/lowermybills.php?id=tnh
The way it is done (if approved) they’ll pay your debts in full thus effectively transferring your debt to them.
You then pay them at a lower interest rate.
If you let it go to collections you’ll have it in your credit score for the next 6 years.

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