How do I protect my Social Security disability "lump sum" back payment from creditors if I'm filing Chapter 7 before I receive it?

Question Details: I can't open a bank account, creditors will take the lump sum even though protected and then I have to fight to get it back. Even my monthly payment will be gone. I know this already. So I took the SSD card option that a third party loads for them. How do i protect that? One attorney said to wait and blow all back payment on anything but unsecured debt, then file Chapter 7 and no one will ask where it went. Another says file now but the lump sum will probably be divided out by court amoungst creditors leaving me with nothing. What do I do? My monthly isn't enough to live on need lump to help.

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