October Tax Season: What Happens to My Income Tax Refund If I File a Chapter 13 Case Instead?
Chapter 13 is not as cut-and-dried in protecting your refund. But generally you can use it for an urgent expense or for an urgent creditor.
October Tax Season: What Happens to My Income Tax Refund If I File a Chapter 7 “Straight Bankruptcy” Case?–Part 2
Keep your refund if it's small (enough) or by not filing bankruptcy until spending that refund (wisely).