About selecting existing flat file formats: There is the Comma-separated values (CSV) format. Or, more generally, DSV. But these are not "fixed-width", since there's a delimiter character (such as a comma) that separates individual cells. Note that though CSV is standardized, not everybody adheres to the standard. Also, CSV may be to simple for your purposes, since it doesn't allow a rich document structure.
In that respect, the standardized and only slightly more complex (but thus more useful) formats JSON and YAML are a better choice. Both are supported out of the box by plenty of languages.
Your best bet is to have a look at all languages listed as non-binary in this overview and then determine which works best for you.
About describing flat file formats: This could be very easy or difficult, depending on the format. Though in most cases easier solutions exist, one way that will work in general is to view the file format as a formal grammar, and write a lexer/parser for it. But I admit, that's quite† heavy machinery.
If you're lucky, a couple of advanced regular expressions may do the trick. Most formats will not lend themselves for that however.‡ If you plan on writing a lexer/parser yourself, I can advise PLY (Python Lex-Yacc). But many other solutions exists, in many different languages, a lot of them more convenient than the old-school Lex & Yacc. For more, see What parser generator do you recommend?
†: Yes, that may be an understatement.
‡: Even properly describing the email address format is not trivial.