My question involves bankruptcy in the state of: Florida, St Johns county

I will cut to the chase, no need to explain why or how but after sinking for 2 years, I have sunk!

Unfortunately I have decided no way out but to file bankrupt...
How do I file bankrupt if I am neg in the bank? No one to borrow from! I live in St Johns county in Florida and need an attorney right away as I have been sent a summons to appear for a debt unpaid. Are there discount attorneys who base on income and need? Should I try to represent myself and file on my own behalf? I see there is software to file on your own. Does that work? What is the best, quickest way and least expensive? How do the poor folk who got kicked in the butt file for bankruptcy?