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While Financial Whiz Kid Edward M. Gilbert, 38, pondered his sudden flunkout in extradition-proof Brazil, a posse of creditors tried to corral what was left of the fortune he supposedly amassed as president of the E. L. Bruce hardwood flooring firm. All they got was splinters. The Government hit him with a $3,464,472 tax lien, but there was no cash in his bank accounts. Bruce thought it had a lock on the goodies in his Fifth Avenue flat, but aside from the underwear, not much had been paid for. Most of his $524,635 art collection was out on approval, just like the $734,000 assortment of ice that Cartier recently sent over to Eddie's estranged wife Rhoda, 28. At week's end a federal grand jury indicted him for illegally withdrawing $1,953,000 of Bruce funds. Maximum possible sentence: $82,000 in fines, 74 years in stir.