"I need advice. I was contacted thru the Upwork message by someone who wanted to hire my services but once I asked them to send me a contract and set up financing on Upwork I no longer heard from them. Is there any way to see if they are working on doing this or if they were just scamming me?"
It takes a legitimate client only a moment or two to send you a contract offer. As an UW newbie, any contacts initiated by a prospective client are likely scam attempts. Be sure you are thoroughly familiar with the rules and mechanisms of the platform and stick to them diligently, and you will likely stay out of trouble. And when you have a question, come here.