I have a unique situation and need help!!!

[Freddy03]

Nobody is judgment proof. You can always get sued. Correct - I should have put judgment collection proof. If you don't have it they can't collect it
The correct term is, execution proof. That means all your income/assets is exempt from seizure like, SS or money in ERISA qualified retirement accounts.
You need to do some preplanning with that $12K or risk losing it. Spending it down with ordinary living expenses, paying a bk lawyer, getting reliable transportation and getting your housing needs taken care of prior to filing are all legimate uses of the funds.
See a few bk lawyers as soon as possible.

I agree I would start interviewing BK lawyers.

[chrisdfw]

As an independent contractor you don't have wages.... so don't listen to any advice about wages, it is different. You need an attorney, keep receipts and good records starting NOW.