How do I answer question 18 of my Statement of Financial Affairs?

In nature of business also put what your work is: software designer or home repair/remodel etc.

You have the right idea, you just need to be a little more descriptive about the kind of work you do, such as data entry, bookkeeping, telemarketing, home health care or whatever it is you do. Be aware that many trustees will require more than average documentation of your income in such situations and it would be a good idea to have current financial statements such as a profit-loss statement and balance sheet. Many will require that you have sufficient insurance to cover any errors you may make or business property you may possess. Otherwise, if you are filing chapter 7, they will expect you to shut the business down because a chapter 7 is a liquidation of your assets and liabilities, and the trustee becomes responsible for your business. You may remain in business with a chapter 13 but the trustee will have the concerns I mentioned earlier and you will have to convince him/her that your business is viable.

Stating that you are employed as an independent contractor really doesn't answer the question of what the nature of the business is. Are you a butcher, a baker, or candlestick maker? Spit it out!

Yes. Also identify the kind of work you do as an independent contractor. You would almost certainly benefit from hiring an experienced bankruptcy lawyer. They can save you a lot of grief. Good Luck.