Advice/help Understanding Bankruptcy Welcome!

Location: Massachusetts, Maine

I find myself in a peculiar situation. I have about $30k of unsecured personal credit card debt, am unemployed, and am collecting unemployment which will run out some time in November. As a result of this, I have been planning to file for bankruptcy after that unemployment runs out. I have been working on a video game, which is going well and gaining some momentum, and have an offer from an investor/publisher to provide $50k to develop the game over the next year and change.

For tax reasons, this investor wants to ‘spend’ that $50k this year, and not disburse it over time. However, I am worried about my LLC suddenly having $50k while I am going through the bankruptcy process. I will earmark about $20k to purchase art and music for the game, and the remaining $30k will go to a salary I will draw throughout 2026. This still is not enough to pay off my credit card debt, so I want to continue with bankruptcy. However, my filing won’t be complete until early 2026: after my investor wants to disburse this money.

The nightmare situation for me is to file for bankruptcy, have my LLC receive $50k, then the trustees or whatever try to seize that $50k. I’m a single-member LLC, which I know is treated as a pass-through entity for tax purposes, but I don’t know if there are implications for investments like this too. That $50k is a very lean budget to run a business for the time period of one year, and I cannot accept the investment if I know it will simply be claimed in bankruptcy.

My LLC is registered in Massachussetts. I currently reside in Maine.