going to court due to a debt advice please

so i know maybe some people will say its my fault or w.e yes it is so i am 23 years old like 2 years ago i opened my first credit card at vicotria secret after couple of months my credit was good so i strated getting all this pre acceptance credit card i got tempered i opened another one so at the time i was working so im like ill use it then pay it i wasn't thinking at all then i had to stop working for school and i Could not make a payment yes i could of called explain for some reason i got scared i didn't and now tmr i have to go to court its a 600 dollar debt. not a lot but right now im waiting for this job to call me i am doing baby sittng and thats enough for my personal things so tmr i won't have the money to pay it. i regret it . of course i want to get this debt over with and ill never get in to a credit card. but i am not sure what to say tommrow or if they will accept a payment settlements. i do know this is bad for my future i wished i was smart enough to open a card