Okay... sorry to hear but good that you are trying to get back on level ground financially.

INCLUDE EVERYTHING. Don't pick and choose anything... include all debt that you can, and ask the lawyer about each little bill! Even if you owe a friend some money you can't repay. At least that way they can write the tax off...

Take a course on how to live without credit cards? (Don't charge anything you don't have money in the bank to pay...)

But I do understand about medical bills. arrrggh! Make sure ALL of your doctors have given you their COMPLETE balance due (and don't mention to them anything...)

Make sure you go bankrupt completely, if SD allows, and that you do not have to pay back anything. There is a Chapter 7 and a Chapter 13 in Florida, and only one lets you wipe your debt totally out. (Yeah, my ex used to go bankrupt as often as they allowed which was every 7 years ... I refused to be included (made sure I had my name taken off every credit account he kept opening arrrggghhh hey I said he is my EX!) lol

Don't feel horrible. Don't tell people. You don't owe anyone any excuse.