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I cannot pay my bills right now, but I have a lot of money coming to me soon from a
lawsuit, or a personal injury or workers compensation settlement, or a disability
payment, etc. Do I still need to file bankruptcy?

It all depends on the timing. If the money comes in before your creditors take action (such as foreclosure, eviction, repossession or taking a judgment against you in a lawsuit), then there is no reason to file bankruptcy. Or maybe you can persuade your creditors to wait until the money comes in. But don’t settle your case for less than it’s worth just to keep a creditor away. You can always file a Chapter7 or Chapter 13 to stop the creditors long enough to get the settlement that you deserve.