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As for getting credit after you have filed you will probably receive a few credit card offers in the mail in about 6 months or so. Afterall, although you fucked up before, you have a lot less debt than the average American and some companies do look for that. They may only give you a $500 limit but you can build upon that. To help re-establish your credit you can also go to your bank and ask for a secured $500 loan. You give them 500 they loan you 500 and then you make payments. Take the 500 they give you and go to another bank and do the same thing and so on until you have like 5 loans. Pay on them each month and in a year you should see your credit score improve.
You are also in FL so you will get to keep all your essentials and home if you own one. Maybe even the car too. Been a while since I lived there but you are in a good state to file bankruptcy.
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