Your best and quickest bet is probably to go to an Apple store. But we might be able to help with more details, like:
-how often did you backup? Is it possible the 2010 backup
is your most recent backup? (My mom had her iPhone for two years before I explained to her how to do a backup.)
-how do you sync your contacts? Google? Outlook? Something else?
-When you say your Contacts and Settings are gone, do you mean the whole app or just the content?
-For folders, I'm assuming you've tried to make one? (They don't show up until you do.)
For more info about using backups (and file locations so you can find yours) see this
Apple Help article.
Good luck, I know it must be frustrating!