Tax refund

[Bandit]

After your filing year, a trustee can take the entire refund every year for the next 2-4 years if that's their custom.

Our Ch 13 trustee told us he will take anything over $2K from our refunds for the four full years we're in our plan. We've been figuring our withholdings VERY carefully this year to make sure we stay under $2K.

Here's a really helpful guide from the IRS on how to calculate your withholdings to control the amount of refund you get back - http://www.irs.gov/pub/irs-pdf/p919.pdf

I have made notes of this and Thanks. I will be very careful.

[thewife]

Since the refund is his and he didn't file, unless you live in a community property state (do you?), your husband keeps his return. If you do live in a community property state, then the trustee could only take up to half of it.

The problem is that you should consider adjusting your withholdings so you don't end up PAYING taxes at the end of the year. Check out this IRS booklet for how to do this so you'll get back very little but won't owe anything - http://www.irs.gov/pub/irs-pdf/p919.pdf . That way there's nothing for the trustee to take

No we do not live in a community property state, so thank you for that info I will also check out that link!!