Do people really respond on here?

Hello, my name is chris and i'm 29 years old. I used two credit cards years ago when i was in my early twenties and couldn't afford to pay them and they were sold off a bunch of times since. The interest and finance charges brought the debts up to 4500 on one card, and 6500 on the other. I probably spend about 2500 or 3000 on each card. I also had a leased car that i went over the miles on and damage and i owed 3500 dollars. About 4 years ago i tried to consolidate the credit with credit consumer consolidation, some company i found in texas at the time. I made about 1 or 2 payment from what i can recall and i stopped after. I would get phone calls all the time from debt collectors threatening me in all kinds of financial ways. I received a call from this lawyer once named michael j. scott but i just couldn't afford to do anything. I never had any judgments or garnished wages before and i haven't really spoken to any debt collectors in a few years. Recently i noticed that i was getting credit car offers at my bank and at clothing stores so i applied and have been approved. I was very surprised. I went to a teachers federal credit union and asked recently about a personal loan. They said on my credit report one credit card from capital one is popping up at 4500 dollars so if i could get them to write me a letter stating what i owe and bring that in with a copy of my pay stub i could possible get a loan that would encompass that amount and whatever other amount i asked for on top of that at 11 percent interest. I thought maybe that would be a good idea. Then i asked the banker about hsbc bank and why that wasn't on there. She said they must have not reported but could soon. I also asked about nissan motor acceptance corporation, she said it was written as satisfied or something like that. I had no idea why. So recently i got a call from a man working at Everest Receivable Services asking for money on behalf of their client. They called asking me to confirm an address. I asked what it was about and they were being shady. I just came out and asked them, are you calling for capital one? Then they told me no, for hsbc. I was suprised. I was like i guess applying for that loan is why hsbc popped up now. They told me they would settle 6500 at 2,052 dollars. I don't have that money. I told them i think that i started those debts nearly 7 years ago but i may have restarted the clock on myself in 2011 when i made 1 or 2 payments. I am reading a bunch of stuff online with all these acroynms that i don't understand like dofd and i just don't know what to think. This man emailed me an email saying "as per our conversation" and it's this settlement email, with a line at the bottom that says signature. He plans on calling me back tonight at 5:30pm. I don't know what to say to him. I want to say, leave me alone and just wait and hope it drops off my credit sooner or later. I saw my credit score was a 650 from the banker at teachers. Could somebody give me some advice? Can somebody explain all the jargon, or acronyms with regard to this credit world? Thank you so much