Must You Stop Making Payments, To Settle Credit Cards?

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[postlink] http://credit-card-debt-help-video.blogspot.com/2011/12/must-you-stop-making-payments-to-settle.html[/postlink] http://www.youtube.com/watch?v=HT_tiia68mUendofvid[starttext]My medical provider reported my $4200.00 debt to a collection agency. I'm unemployed.I cannot paid the money right now. I need some advice as to how to settle this debt with the collection agency which by the way is claiming the debt as 5100. Any help greatly appreciated..[endtext]

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