I originally used meal worms because they can't escape the bowl and I was afraid of her becoming impacted with substrate... but I am a first-time amphibian owner and I will take your advice. I am also going to try a basic a bacterial infection (because I'm pretty sure that's what it is) treatment from frogsafe.org to try and help her out. The on/off use of the heat lamp use seems to be helping her out (she's moving more), but I still can't identify the stuff that appeared so suddenly on her back, can you help me identify it? The link is posted... note the fact that she's holding her legs in an awkward position as well... Is this a sign of something else?

UPDATE-
She has also started twitching a bit, is this red-leg? Or am I over-reacting?