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Yes, you can absolutely settle out of court. To do so, you might consider calling the attorney that filed the lawsuit on behalf of the creditor to let him know you are interested in settling.
Before doing so, you might think about what offers you might make. As a general rule, keep in mind that the less you want to pay, the more quickly you should be willing to make the payments. For example, if you were to offer $600, you might offer to pay immediately while if you offered to pay the entire amount, you could likely get as much as a year or so to get it paid off.
As a note, you might also request that any negotiated settlement include that there NOT be a judgment put in place against you, this will help protect your credit.
Please let me know if you need clarification on anything.
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