Data Recovery - How to Restore Deleted / Formatted Files on HD Micro SD Card Background:  

I put in a friend's SD Card to format it because it was having problems. Then I put mine back in and I think my phone formatted my SD Card. I had a ton of pictures on there that are now gone! I put the card into the computer and there's only 2mb of cache files on there and none of the original directories. 

I already tried the following freeware recovery applications: 


Undelete 360 
Recuva


Neither of them were able to retrieve any files.
Undelete took 1minute to scan for files and came up with 0 files. 
Recuva took 10 minutes for their "deep scan" which doesn't seem thorough enough at all for this 8GB SD Card. I need something that's a lot more heavy duty. 
I don't mind paying for an application to get the data back if necessary... 

Questions:  


Which application can I use to recover my deleted picture files from my 8GB HD Micro SD Card?  
Why did Anroid format my SD card?  
How can I tell if it's a phone problem, data problem, or SD Card problem?
Take a look at PhotoRec.  

There are also similar question on Super User that may help:


Recover data from SD card
How do I recover files from an USB flash drive?


Here's the full list of Data Recovery Program links:


Easeus Pro
Data Recovery Tool a nice tool but it's not free
PhotoRec and TestDisk from CGSecurity
NTFS Undelete (works also with FAT32 unlike the name suggests)
WinHex
Active File Recovery
Scalpel