sue'd by credit card company what should i do?>?

original balance on card was 756$ but they are charging my1550$ after interest and fee's. Court date is oct 10th and i am willing to settle out of court but dont want to pay too much since i have partially paid my time with 3 years of bad credit. Im thinkin of 500$ mark as paid as agreed and not settled. any lawyers/credit counseling people out there help me with the magic number i can pay in lump sum?!?! i would like some knowledge b4 i call them