If you're not bleeding, Dremel that chit with the sander. Or get the
foot file.
No joke, Dremel works fine just don't apply too much pressure or sand soft/supple skin- if pulls pretty good. My heels and bunions hurt for a day or two as they 'grow' a new protective layer but don't scratch me or anyone else for quite a while.
I've never had cracked heels that were bleeding so follow others' advice if that's the case.