If you did hire another attorney to represent you, chances are that the attorney would only work on an hourly basis, and it sounds like you cannot afford that. Bankruptcy will usually give you a fresh start, and you can put this behind you.
While agreeing with the other attorneys that bankruptcy is your best bet, it sounds as if you have time time to decide on BK given that you are currently uncollectible. To answer your initial question, though, a motion for relief from judgment is governed by Rule 1.540 of the Florida Rules of Civil Procedure. For essentially any other reason than because the judgment is void, or that it has been satisfied or discharged, your time limit is 1 year.