There is a lot of things to consider when thinking about bankruptsy. Things you own like cars, houses, etc. We don't have all the facts and don't know where you live as this varies from state to state. Sometimes they can attach future monies and sometimes they don't. But it will stop the harrassment that your getting right now.

What I would highly suggest is that you consult an attorney. Most consults are free. You need legal advise bc although ch 7 maybe a good idea for you, you can't file another one for quite some time. This may be an issue if you have prologed medical debt. That is, if the bk is filed and discharged, you will be on the hook for future medical debt if it occurs. An attorney is your best bet.

No one here can tell you what a trustee/judge will or wont do with potential monies, it is potential bc there is no guarentee that you will get it. I wish I had better answers for you, very sorry.