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TX Ch 13 Bankruptcy & tax refunds

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I'm in Texas. I'm afraid that I have to file Chapter 13 bankruptcy because I'm behind and falling more behind every month. My house is homestead and I have one vehicle. If I get a plan that is affordable and I don't miss any payments to the Trustee, when it's time to do my income taxes and I get a refund, can I keep it or does it go to the Court? I was wanting buy medical and dental insurance for me and the kids since my husband was laid off some time ago, and trying to make it on 1 person's income is the pits - especially without any insurance. :(
Also is Chapter 13 easy enough to file Pro Se?


Senior Member
If you're in a Ch 13 plan, you will most likely have to turn over your tax refunds to the trustee to pay your creditors, it may depend on the amount. If you get less than $100, the trustee may not bother with it.

I wouldn't attempt a 13 Pro Se. No bankruptyc is 'easy', its all very complicated. I'd get a free consultation with a couple of attorneys and see what it would cost you, along with your options.

I'd go ahead and buy the medical/dental insurance, especially with children, its definitely a needed expense that wouldn't be questioned.

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