Tax Refund Check (Stupid question time)

[tleeburks]

Okay, Stupid question time.

I just received a refund check from the irs for around 600.00. I sure could use that 600.00 bucks since basically, my chap 13 garnishes every bit of my weekly check and leaves me with practically nothing. So, do I have to contact the lawyer? Which I don't want to because u have to schedule a meeting for everything. Can I contact the trustee, here in Missouri and see if I have to give up the check? Please give me some advice. Thanks in advance for your time. In Chap 13 since Nov 2005. It sucks sometimes, ya know?

T.

[aa06a47]

Okay, Stupid question time.

I just received a refund check from the irs for around 600.00. I sure could use that 600.00 bucks since basically, my chap 13 garnishes every bit of my weekly check and leaves me with practically nothing. So, do I have to contact the lawyer? Which I don't want to because u have to schedule a meeting for everything. Can I contact the trustee, here in Missouri and see if I have to give up the check? Please give me some advice. Thanks in advance for your time. In Chap 13 since Nov 2005. It sucks sometimes, ya know?

T.

Contact the trustee's office and ask them if they want it. I have heard they usually don't mess with them if they are less than 1K. You might get to keep it, but you best check otherwise if you don't, the trustee may cry foul.

Also, you might dicker a little with your exemptions for your employeer. Start raising them a little till you see about a 50 dollar per month increase in your check. That should eliminate a refund next year.

You might also contact your attorney concerning the garnishment of every dime you make. You are not suppose to live in poverty in a chapter 13, and if taking your whole check doesn't qualify you for living in poverty, I don't know what would. (Do you have a high payment due to payback to secured creditors, or because of too much non exempt assets?)

Share your experience with us on the chapter 13 experience thread.

http://www.bankruptcyforum.com/t7308-chapter-13-experience-please.html

[tleeburks]

Thanks for telling me to call the trustees office. I called them and they said that we can keep up to 1000 dollars of the refund. He said he would document it in the notes of our case. Finally something has gone right in the chapter 13 nightmare. I think I'll go out to eat tonight. I'm sick of Ramen noodles all the time.

T.