Bankruptcy questions for florida residents…?

I live in Hillsborough County, FL I have 27 years left on a 30 year mortgage, I am a single parent, Head of Household, I do get $494.50 a month for child support. I have 2 rooms that I rent out for $790 a month and I bring home from my job between $1600-$1800 net. I have a 401K with my job, with about $2K it it and a $750 loan I am paying back into it. I also drive a 10 year old car w/122K miles that is paid for. I live in a mobile home on 1/2 acre with a monthly mortgage of $1165 a month, groceries $400 a month, gas $70 a month, electric $180 a month, homeowners dues of $20.00 a month and I could go on and on….In short my total expenses are $2691 and my income $3085 leaving me with disposable income of $394 which usually goes for school stuff for my kid, haircuts, clothes for us and etc. My debts altoghter secured & unsecured are about $22K, and I will have to pay on my student loans $75.00 a month starting in September. I really own nothing very valuable. I’d like to point out that a few of these debts are medical as I have had some ongoing health problems and some are just life. Everything was fine until last year. My fiancee got fired from his job, had a drinking problem, cashed out his 401K and that was how he paid his half of the bills. He never got another job as he got so consumed in his alcohol problem, his money ran out and I became so fed up at his lack of concern for our problem that I threw him out in March 2009. I don’t need to be judged or snickered at, I know it all looks bad, my first question is, will I be allowed to file Chapter 7? Will they try to take my house & car? Also, as corny as it sounds I work in the insurance field and if I file bankruptcy and they find out about it, will that cause me to lose my job? I know they won’t initially hire you in those type of positions if you have a bankruptcy. I am so scared and afraid, I just don’t know what to do. I was going thru a debt settlement firm, but I didn’t have enough $$ built up with them for them to settle my debts and I am getting letters/certified letters that if I don’t pay the full balance I owe by next Friday, (and for some creditors that is about as much as $5000) they will begin the lawsuit process on me, so I think this is the only option I have and I do not see my financial condition improving, so I know I must file. I just want to know what to expect for FL. Please know that I don’t mess around with my mortgage or any secured debt, I always pay things that I know can be taken away/repossessed. It’s just that I have so much expense and so much unsecured credit debt that I am literally drowning in it. Please help me!