I was having over 70000 dollar credit card debt and about 32000 dollars in bank loans. i filed chapter 7 protection and my 102,000 dollar debt was eliminated. What other benefits exist beside elimination of debt?

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i had a 2000 dollar credit card about 4 years ago and i just got out of controle. i just recived a letter from a debt collector and the the card is now up to 11000 dollars! i also have some med bills about 4000 dollars. i tried calling the debt collector and he was real slick. he tricked me into telling what i did for a living and then guessed where i worked! (he’s local) he said "just send 100.00 a month but i cant promise there wont be a jugement agasint you, but i promise we wont garnish your wages". anyway he said just send 100.00 a month. he wasent willing to work at all!!! what should i do?

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It would take me years to pay back my entire debt to these billion dollar credit card companies, which I don’t feel at all guilty about with all the interest that they charge.

However, I want to resolve my debts in order to improve my credit score. Are there any good websites that offer advice and ways to settle these debts at relatively low amounts?

Thanks in advance.
Also, some of my debts have been delinquent for over 5 years and have been sold off to collection companies. How do you settle these if the credit card company is no longer involved in the debt (i.e., they sold the rights to the money).

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