can I get a fha loan

I was told that your office can aswer and assist with questions regarding FHA loans.
Please reply:
Can I get a FHA Loan with this background?
I have a credit scores of 679, 689, 701
I have been working as a teacher on the same job for over 10 years. My teacher salary is about 43,000 a year
I have only one debt which is a student loan which I pay $135 dollars a month. It has never been late in the last 7 years.
I have credit cards with very low balances. Most paid off monthly. The minimum payments are $15.00 a month. This makes my total debt along with student loan $207 monthly. No car loans or other type debt.
I have a savings of $8,000 dollars in a bank account.
My first problem is that I have small collection accounts from 2005. All are less than $1,000 and the total of about 4 of them together is less than $2,000.
My second major problem is that I have a separate larger collection account. It is 3,300 for an auto or auto repair. The car was in my name and my ex husband has since stop paying on it because he could not repair it. I had about 3,300 left to pay on it. That was in August of 2005. It is reported as date of last activity Jan. 2006. I do not have the vehicle and have been divorced since 2002. This collection is at least 3 or 4 years old. I have made all payments on time including rent for the past 3years. Can i get approved for an fha loan? Also why does FHA loans approve people who had bankruptcy after 2 years and someone who had a foreclosure after 3 years but refuse and or require an explanation for collection accounts for upt to 7 years? Was it better for me to file bankruptcy or allow a foreclosure in 2005 or 2006 than it was to try to reestablish credit paying who I could? I really want to buy a home. Please respond soon.