OK, you have to start over rebuilding your credit and paying off your debt. The best most trusted place to start is the National Foundation for Credit Counseling.
If you call them at 800-388-2227 it will connect you to the nearest local office. You can trust them and it is free, or very low cost. You can discuss it over the phone with them, and they will give you good advice.
Please write back and let me know what happens.