Get Out Of Debt

i have debt of 10000 amount from the credit card companies and i have ignored the payment 2 years ago and i didn’t file bankruptcy yet
my question is if i never have filed bankruptcy. will my name after 5-7 years gonna be clean again like new ?
or the only way to get clean [...]

Is there a calculator online that will give a graph or chart to a user comparing whether it is better to pay off a mortgage early or to invest in retirement?