No your post was fine it was me who wasn't specific I wouldn't do a factory reset instead I would take your phone and get a new SD as of how to get it's contents off I'm unsure of it's probably too damaged too do anything with I am sorry about your SD card in the future get this app my backup
https://market.android.com/details?id=com.rerware.android.MyBackup&feature=se arch_result#?t=W251bGwsMSwxLDEsImNvbS5yZXJ3YXJlLmF uZHJvaWQuTXlCYWNrdXAiXQ..
or lookout, lookout is an anti virus app and you can use it to back up photos videos contacts pictures I would include a link but it seems I cant connect to the android market sorry about your SD card I hope I helped