Bankruptcy - Will we get approved for loan?

in 2009, both my husband and i filed for chapter 7 bankruptcy. he had issues with a judgment in 2010. the issue was that the medical office was saying he owed $3064 but the majority of it was actually covered under his bankruptcy. we did get it satisfied and all we had to pay was $270 and of course, we paid it right away. he has a current fico score of 620. he is a supervisor at his place of employment. i filed for bankruptcy after i was laid off in early 2009. i had several credit cards that were pretty much maxed out. my bankruptcy attorney told me that i needed to be late on my bills to make it look more acceptable when i file for bankruptcy. so on my credit report, it shows that i have several accounts with a "failed to pay" status but was covered under chapter 7 bankruptcy. i am a stay at home mom, my fico score is 652. i do have one collection on my report from 2010 but i paid it as soon as i found out about it. my husband and i have no credit card debt, we just paid off our car. we do have the expected monthly bills and i have one school loan for $1600 that i am current on, no record of late payments. we do have a down payment ready. the only thing we are waiting on is for the credit report to update that the car loan is paid off, and then we intend to get pre qualified. what are the chances that we will get approved? is there anything else we should do to help improve our scores before we apply?