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I got in an accident last year, someone hit me, I do not have insurance and have accumulated large medical bills. I need to file bankruptcy because I can not pay my bills. My problem is, I do not want to do anything illegal, or that can precieved as fraud. If I continue to find ways to pay my bills and recieve a large settlement do I have to spend it on my bills or can I wait a certain amount of time and then file bankruptcy? The reason I ask is because I still do not have health insurance and I have still medical issues that I will need to pay for, so I do not want to have to give all my money away and not be able to provide care for myself.