How do i keep my tax refund if im filing chapter 7 bankruptcy in indiana?

How do i keep my tax refund if im filing chapter 7 bankruptcy in indiana?

hi im filing bankruptcy and one of the debts i have is out of service DFAS debt. last year they took my tax check and they will do it again this year. if i file bankruptcy now the trustee will probably take my tax refund. my question i guess is can i file an extension and not file this year and file my 09 and 10 taxes together next year so i ddon’tloose my tax refund? what can i do to keep my refund if tthat’s not an option? thanks

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“”If I drop out of college, will sallie mae(private lender) send me the money that is in the loan?””
If I drop out of college, will sallie mae(private lender) send me the money that is in the loan they are going to disburse for me? or do they take it back? Will I owe anything? Thanks in advance. Just in case you’re wondering..I just DONT HAVE THE TIME right now for school, so I am going to enroll in an online one.””
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Can I get a stated income loan with a rating of 710 w/ 10% down and $6000 in student loans still unpaid?
What do I need to take care of before I try to get prequalified? What will they ask me? Should I try to pay off the student loan first? Credit cards are paid off, no car loan, nothing else. This is my first home. Been in this apt. for 7 years. Will they ask for references, if so how many? I’m self-employed. Thanks so much! Gap wouldn’t even give me a Gap card because of the student loans which seems ridiculous given my credit rating. Rating will probably be at 720 or 725 by the time I apply for the loan in 3 or so months (hopefully). And how do I choose the lender?””
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Credit score confusion?
She said it had nothing to do with my report, just the score. They gave us their required minimum score (used for the median score) and mine did not meet that. However, according to what I pulled, everything did meet the required minimum. I just do not understand how when I pull it I get one set of numbers and when they pull it, they get a completely different set of numbers.””
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Ho do you do a credit report audit?
I don’t think I was clear. I do not plan to hire a credit repair company. I am also fairly certain I know how to dispute an item on my credit report with the credit bureau. What I am asking about is how to do a credit report audit. My understanding is that for a credit report audit, in addtion to disputing with the credit bureaus, you require the creditor to directly verify validity of the existance of a debt by requiring the creditor to submit certain documents. I understand this is particularly successful for collections and charge-offs. However, I do not know how to go about doing this. What law or laws (if any) does it fall under? How should the letter be written and what should be asked of the creditor? What documentation should the creditor be asked to supply? I would be interested in hearing from anyone who knows the answer to these questions or knows of any good sources that has answers.””
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How can i build my credit score faster?

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What does filing bankruptcy do to your credit report?
A non professional gave me the advice of filing bankruptcy for debt i have totaling $5000. His argument was that with these debts that i have are obliterating my credit score anyway and that bankruptcy wouldnt be any worse. Is this true? What does filing bankruptcy do to your credit report and would it damage it more or less than leaving these debts sit as i do not have the money to pay them off at the moment. Thank you for reading and any help.
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How to figure out training fees earned and unearned?
Watson Technical Institute (WTI), a school owned by Tom Watson, provides training to individuals who pay tuition directly to the school. WTI also offers training to groups in off-site locations. Its unadjusted trial balance as of December 31, 2011, follows. WTI initially records prepaid expenses and unearned revenues in balance sheet accounts. Descriptions of items a through h that require adjusting entries on December 31, 2011, follow. On November 1, WTI agreed to do a special six-month course (starting immediately) for a client. The contract calls for a monthly fee of $2,200, and the client paid the first five months’ fees in advance. When the cash was received, the Unearned Training Fees account was credited. The fee for the sixth month will be recorded when it is collected in 2012. WATSON TECHNICAL INSTITUTE Unadjusted Trial Balance December 31, 2011 Unearned training fees 11,000 Training fees earned 38,000 Unearned Training fees (Debit)? Training Fees earned (Credit)?””
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Is there a credit union that will help me get a auto loan with a repo!?
this repo is about 4–5 years old. I have NO CREDIT but that on there. (I have a Great job). I dont want to do a buy here pay here place there interest rates are bad! I have 4–5k down and ready to get approved for a loan. If i can get a interest rate atleast 19-less that would be great. Someone give me some names of some places ONLINE LOCATED IN GA SOMETHING (YOU) HAVE USED anything will help Thankssss!
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Who will refinance a house while under bankruptcy?

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Do all auto loans require you to be employed at your job for at least 90 days.?
I am 22 and I graduated from college about a month ago and got a really good job and have been working there for about 2 weeks. My base salary is a little over $40k, and I expect my total income for the year to be around $50k. My credit score is 725–735. I would like to buy a newer used car, somewhere in the area of $15,000-$17,000ish. I talked to someone at my bank today about the possibility of getting a loan, and I was told that they would not lend money to me because I have been working at my current employer for less then 90 days. The only difference a cosigner would make is that I would not have to put 20% down. I have never had an auto loan before, and I don’t know if this is a typical requirement for getting a loan, or if it would be worth it to visit other banks. I was told that if I would be approved for a $17,000 loan, I could get a 2006 or newer for 4.25% over 63 months, or a 2005 and older for 6.5% over 36 months. If it makes a difference, my parents said they would cosign for me as well. Is it possible for me to get an auto loan someplace else?””
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What would be the best way to collect money from bankruptcy debtor? Letter of Credit or Certificate of Deposit

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Is doing a cash advance on your credit card dangerous?
How much is the fee for doing that? will the interest on your credit card goes up? and what is the maximun you can get from your credit card doing a cash advance? and if you do that, will they bill you each month for the money you own from doing a cash advance? Will they bill the intire amount you take out? or only a minimun amount? I don’t have a credit card right now but I’m thinking about making one in the future. Thank you!!””
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Can I get a mortgage with bad credit?
Last time I checked my score was a 620. I have enough to put half the purchase price for down payment on a house is it possible to get a loan for the other half I do not care what the interest rate would be because I make enough money to pay above what the monthly payment would be to pay the loan off faster and I only want the loan for 15 yrs. Either way the payments would be cheaper than rent at this point. My credit has charge offs and write offs due to a lay off 8 yrs ago which caused me to lose everything. Paying back the debt is not an option because I consulted with an attorney about filling bankruptcy which I was unable to do because I had to much in liquid assests and he told me not to file,and not try and repay the debt (1) because I would go broke trying and that is stupid,and (2) because they have already been written off which means they have filed it as a loss on taxes so it would be double dipping . The main thing that shows up on my credit is a repo from 8 yrs ago it was auctioned off and they have never contacted me nor came after me regarding any excess amount owed but it still shows up on the credit report as well as all the other crap I lost. I was under the impression that after 7–10 yrs all the stuff is supposed to come off your credit anyways,so why is it still showing everything from the beginning of my credit history to now? some of the stuff is 10 yrs and older(older being the good payment history) I even got a credit card to start a payment history a yr ago and that was how I got my credit score up to the 600’s it was worse. I just want to purchase a home I don’t want to be stupid and buy up a bunch of other stuff on credit I just want to get a house , and pay cash for everything else that way if something were to ever happen again and I lose another job I will never be back in the position I was in before. Is it possible to get a loan with my credit history if I pay for half the value of the house up front?””
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Related rates problem? Help.?
A 20-foot ladder is leaning against a vertical wall. If the bottom of the ladder is being pulled away from the wall at the rate of 10 feet per second, at what rate is the area of the triangle formed by the wall, the ground, and the ladder changing, in square feet per second, at the instant the bottom of the ladder is 12 feet from the wall? Can someone explain it to me?””
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Has anyone bought a car from Real Motor Japan? Are they reliable?

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“”Is there is a place or website you can go to, for a copy of credit report mailed to you?””
I would not say if was free credit report.com because they monitor my credit, they didn’t give me a copy. i really need to look at, my report of my whole life. thank you so much peace and blessings.””
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Is filing for chapter 7 bankruptcy bad?

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“”I have found the national interest rates for auto loans, how do I calculate the rates for poor or good credit?””
I am trying to help a friend. I do not want to be nosey and ask her what her credit rating is, excellent, good, poor, but I was wondering if there is a certain amount of percentage points that are suppose be added to the national auto loan rates that I found online. I beleive the national auto loan rates is based on good-excellent credit rating, right? Thanks for your help. It is greatly appreciated.””
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Can I take out a personal loan during home loan?
I’m approved for a 162,000 home loan. If i get a personal loan it would be only for about 3,000 at the most.””
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How long after you pay off a current debt can you get approved a loan?
I am planning on buying a used vehicle and I applied for a loan. My bank denied my loan saying I had a current debt on my credit report. I know my credit score is good enough to be approved for the loan, it’s 650 and the loan is about $17k. Since this is my first auto loan the dealership won’t finance me unless I put more cash into the down payment. I had a look at my credit report and it said I had a $300 debt from an old cellphone bill with Sprint. I know this is correct I just didn’t know how to get in contact with the collection agency, I called Sprint but they never got back to me and the letter I received from the collection agency is long gone. Long story short the credit report gave me their information so I’m completely willing to pay the debt off right now. When I do pay it off though, how long do I have to wait until before the loan can be approved? I’ve heard it won’t be removed from the system for atleast 6 months but I can’t wait that long for the loan. I’ve also heard that you can get a ‘fully payed receipt’ to show to your bank for the loan but I don’t have a scanner and my bank is fully online. I just need to know to see if I need to start looking into alternative means of purchasing the vehicle. I’m fine with giving a higher down payment or finding another place to get the loan from, but if I can get my loan from my bank I prefer to do that.””
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What is the success rate of companies after exiting Chapter 11 bankruptcy?
I tried a quick check on google to find a percent success rate (or failure) of companies after they exit Ch 11 but just found a bunch of info on processes. If a 100 companies file Ch. 11 and emerge, what percent of those companies survive vs. those who will shut down (or maybe are sold).””
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Payday loans and court?
I took out two payday loans, one from ace payday, and one from moneyking loans. They are both online lenders. Moneyking loans lent me 300, with a total payback of 425 and Ace payday lent me 375, with a total payback of 520. I tried to make payment arrangements and they were rude and insisted that the FULL amount be paid next pay and stated that they will NOT work with payments and that they were going to auto-debit the full amounts from my checking account on my next pay. So I closed my bank account to avoid this. Can they take me to court?? Can they garnish my paycheck?””
“How do i keep my tax refund if im filing chapter 7 bankruptcy in indiana?

hi im filing bankruptcy and one of the debts i have is out of service DFAS debt. last year they took my tax check and they will do it again this year. if i file bankruptcy now the trustee will probably take my tax refund. my question i guess is can i file an extension and not file this year and file my 09 and 10 taxes together next year so i ddon’tloose my tax refund? what can i do to keep my refund if tthat’s not an option? thanks

hi im filing bankruptcy and one of the debts i have is out of service DFAS debt. last year they took my tax check and they will do it again this year. if i file bankruptcy now the trustee will probably take my tax refund. my question i guess is can i file an extension and not file this year and file my 09 and 10 taxes together next year so i ddon’tloose my tax refund? what can i do to keep my refund if tthat’s not an option? thanks

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Capital one loan collision insurance?
Does an auto loan through capital one require collision and comprehensive insurance? I’m assuming it does but want to find out and they aren’t open right now.
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How do loan sharks work?
I dont get what loan sharks do? detailed answer for 10 points.
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I need a Home loan but Since my age is 20 yrs i am not eligable can any one tell me any other bank?
I am only 20 Yrs old and i asked for Bank loan but since i am 20yrs i am not eliogable , can any one tell me is there any other bank which can provide me the Home Loan Please help””
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When you can’t make payments on drivetime?
drivetime charges me $400 a month and I’m having a baby and I really need that money. my fiance wanna just get a carloan from his bank for a cheaper car for me but I don’t know if drivetime’s gonna let me bring the car back and stop paying. and I spent some money on getting the car fixed because a professional mechanic saw frame damages on both sides and it clearly says on my drivetime paper works that the car never got in an accident and my friends told me that I can hold that against them but I don’t know how and I don’t wanna go in too much trouble I just want to stop having to spend $400 every month for 4 years. what should I do?
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“”How many points will a secured credit card raise my credit score, provided that I use it responsibly?””
As of today, I have a credit score of 575. I have no judgement’s or bankruptcies, no public records”””” I believe they are called””
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Is there anywhere I can look to find a fast grant or loan for around $ 1700.00 to purchase a car.?
I have a car right now, but at the moment it has become a headache and is giving me every problem in the book. I don’t have good credit but I was looking for a way to find out if I can get a grant or a loan to purchase a more reliable vehicle without dealing with auto dealerships…………HELP!””
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“”I have an auto loan with GMAC my payments are really high, how can I decrease my payments, is refinancing the?””
I have an auto loan with GMAC my payments are really high, how can I decrease my payments, is refinancing the answer and can I refinance with GMAC?””
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Is there a difference between chapter 7 and 13 bankruptcy?
?
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Does anyone know where any place that I can check my credit score free?
I know there are places I can get my free credit report but what about my score? I have seen a few places but I don’t want to enter pay.
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Does American Express still offer the Optima (secured) credit card? I couldn’t find the card on their site.

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How can I buy something online without bank account or credit card?
I found a game that can only be purchased online (via Steam) but being an 18 year old with no credit card, bank account or anyone to use their credit cards for me, I find myself in trouble. I usually get gift cards at local stores to buy things online but Steam doesn’t have any. And i was going to get a MoneyPak card to put on PayPal, but cant because to activate PayPal’s service you need to verify a credit card or bank account.. Can someone please help me? I just want to buy this one thing and it costs only 10.00 USD””
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“”Can someone find out my downpayment amount, original mortgage amount?
Is it public record? Does public record really show how much my loan amount was and how much I put as a down payment? Some nosy people have told me that they can find out through public record even if I don’t willingly tell them! Is that weird? I thought those info should be private and confidential. Thanks!
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“”In Runescape, what is the combat triangle: Rock Paper Scissors””””?””””
thank you.
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#repost

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Advice on auto loans and buying a car? My first time buying a car with no help frm parents.?
I’m 23yrs old and is in the process of getting divorced. My car is under my ex husbands name and he said I can have it. The problem is he’s stopped paying on it and its two months behind. One more month and it’s in repo mode! :( so I tried getting out a $4500 loan from frm bank and got denied. He owes $4000 on it and the car is valued at $14000. I even tried to use it as collateral and it didn’t work. Any advice would be greatly appreciated. I need help getting car under MY NAME. Plz help! -Angel from south texas
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I need an auto loan but just went through bankruptcy?
those sites are both great, the first one, I don’t have a credit card to get my credit score. 2nd one its asking me for two telephone numbers and I can only provide one (not giving out my work number) and will not let you move past that point. I don’t want my soc. out there getting checked a billion times in a day either. Something simple, maybe something that worked for a friend? (think I need to make some understanding rich friends) lol””
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Is 19% a good interest rate?
I’m a student who works part time and I just got a credit card for the first time. The interest rate came out to be 19%. Is that good or bad, for someone like me? I bank with Chase, should I have gone elsewhere for better rates? I don’t plan on being late with any payments, I mostly got this for emergencies. Thank you for any answers.””
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Auto loan approval???
how long do you need to be in a job before qualifying for an auto loan? if you only have fair or good credit history.
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Can some 1 tell me how I can check my credit report absolutely free?
Can some 1 tell me how I can check my credit report absolutely free? thank you
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Is this Bankruptcy Fraud? (or other type of fraud)?
A family claims bankruptcy not once, but twice. Sells 1st house on short sale. A relative buys them a different house, then transfers house title to their name after second bankruptcy is cleared. Doesnt this sound like some form of fraud?””
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#repost

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How can I increase my credit score?
I would like to increase my credit score. I dont have any credit cards or personal loans. I do have $9,000 in student loans that I pay on every month. However I have an old telephone bill of $1,200 that has been turned over to collection and 5 medical bills that totals to about $5000 that is also in collection, which Im currently making monthly payments on. I have no public records / no bankruptcy. Other than that I dont have anything else on my credit report. My score is currently 583 and 576 for Experian and transunion. I know it takes time to increase, but what would you suggest to increase my score faster; I want to purchase a home in the next year or so.””
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How can I make my credit score jump 40 points quickly (and how quickly can this happen)?
I made the credit mistakes when I was fresh out of school. I have paid everything below 30%, and do not use credit too frequently. I do have a car loan out but owe less than $5000. I could still get a loan if I have a higher down payment, but would rather not take that step. I hope to get the house so I can provide my kids a safe and clean home with good schools while paying LESS than I would be for rent.””
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How can I find out details about my credit report?
I have done the freecreditreport.com thing and I know I have a low credit score but I don’t know who I owe money to. Is there a free way to get it in detail so I know exactly who I owe and how much??
“How do i keep my tax refund if im filing chapter 7 bankruptcy in indiana?

hi im filing bankruptcy and one of the debts i have is out of service DFAS debt. last year they took my tax check and they will do it again this year. if i file bankruptcy now the trustee will probably take my tax refund. my question i guess is can i file an extension and not file this year and file my 09 and 10 taxes together next year so i ddon’tloose my tax refund? what can i do to keep my refund if tthat’s not an option? thanks

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How to negotiate an auto loan modification of my current car loan?
I own a 2005 Infiniti G35 Coupe. It has about 90,000 miles on it. It has a blue book value of about $17,000 and a private party value of $14,500. My loan balance is $19,453 and my monthly payment is $510. I’m considering giving up the vehicle ( i don’t currently care for my credit right now). However, I would rather get a loan modification of either reducing my payment permanently along with my balance. My interest rate is about 5%, so it’s low already. I was able to get a temporary loan mod for 12 months for $350/mo. I have about 6 months before my payment goes back to the $510. Do you think it’s possible to reduce the principle balance? or would they rather take the car?””
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Can I get a mortgage with bad credit?
can I get a mortgage with fair credit”””” score in the 620’s last time I checked if I have half the purchase price as a down payment. All credit is 7 yrs or older so a lot of it will start falling off soon if I were to re-pay or try and repair my credit right now it would hurt me not help me because that would reset the dates and it would be another 7 yrs before it comes off . Plus paying it now is not going to make me look good because it has been so long too. I am finally back on my feet after a layoff completely destroyed my life and I lost everything. I want to buy a home and be done with credit forever because I never want to be in the position I was in before. That is why I want to pay half of the purchase price up front and only get a $25000 loan for the remainder with a 15 yr mortgage. Is this possible with my low score? if so does anyone know how?””””””
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I need a legit payday loan that I can do online and it deposited in to my account?

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#repost

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Does anyone know the best and cheapest way to check my credit score?
that free credit report dot com is not free, someone told me they kept charging thier credit card for months after they stopped it. I need to know how to get my official credit score before I apply for this apartment. Please be serious, I really need this, thanks””
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I have paid off my credit card debt but I just got a student loan.?
I have not started paying for the student loan. I am scheduled to start making payments on it when I finish school. My FICO score is 679
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Should I file Bankruptcy?
In 2001 I started a job. On the day my insurance kicked in I had to have emergency gall bladder surgery. I gave the hospital all the information I had, when I got the bill (upward of ten thousand dollars) I contacted them yet again and gave them the information. This went on for years. I have disputed these charges over and over and yet I can’t get any relief. That is the largest debt I have. I also have a judgment against me for $3000 — the woman who has this judgment against me is not really open to working with me to say the least. Should I send her payments regardless and try to dispute this hospital bill -still- or should I file a Chapter 7? Any advice is appreciated.””
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Any sites online provide a credit report and credit monitoring for the main credit groups such as Experian?

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“”10 pt, correct/check my accounting journal entry?””
May general journal 1 Invested $18000 cash and office equipment worth $8500 in the business 1 Paid office rent of $950 cash for the month 2 Hired a secretary receptionist at a salary of 2400 per month 3 Purchased $1450 of supplies on account from read supply company 11 Completed a tax assignment for j. lau and billed him $1750 for services rendered 12 Received a $3500 advance on a management consulting engagement with arch co. 17 Completed accounting services and collected $1350 cash from the client 21 J lau paid $ 900 for work completed on may 11 23 Paid 60% of the balance due to read supply company 31 Received a $ 215 telephone bill for May, to be paid next month 31 Paid the secretary receptionist $ 2400 salary for the month 31 Withdrew $925 cash for her personal use Debit/credit May1 Cash capital invested cash in business =18000/18000 may1 Office equipment — cash — purchased equipment for cash = 8500/ 8500 may1 Rent expenses — cash — invested in office business = 950/ 950 may2 Salary — note payable — hired employee = 2400/ 2400 may3 Cash — account payable — received from read supplies company= 1450/ 1450 may11 Account receivable — fees earned — performed service for j lau =1725/1725 may12 Cash — account receivable — received on consultation =3500/ 3500 may17 Cash — account receivable — collected from client =1350/ 1350 may21 Cash — fees earned — performed services on account for j lau earning= 900/ 900 may23 ?????? may31 Account payable — note payable — telephone expense=215/ 215 may31 Salary expense — cash — receptionist salary=2400/ 2400 May31 Drawing — cash — withdrew for personal use= 925/ 925"”
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Me and my husband are separated. Can I file bankruptcy without using his income?

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“”I want to fie Chapter Bankruptcy, But i Don’t want to lose my car! How can i do this?””
I’m looking to file Chapter 7 Bankruptcy, I understand that filing chapter 7 I have to include everything I Currently owe, or do I, is there away that I can work around my car and still file chapter 7 i only owe about 5000 on it.””
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Spouse moves out. Who pays mortgage?
Thanks for the responses. Here are the answers to the questions mentioned: 1. both our names are on mortgage 2. I am not helping pay for her new residence. She’s living with family to save up for a new place. The mortgage payment was high so she wanted to move out to save money. 3. My divorce lawyer tells me that she is within her rights to do this and there’s nothing I can do other than walk away from house. He also said that she will still get 50% of the proceeds if we sell. I just can’t believe this is legal.
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Where can i find a Student Loan Bureau in Jamaica?
I need a loan to start college
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“”Can I use my credit card to buy”””” a cashiers check?””””””
I need some money, but don’t want to take a cash advance”””” from my card because of the high interest rate. Is there a way to get a cashiers check or cash with it counting as a purchase rather than a cash advance?””””””
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Need help with a Bad Credit Auto Loan?
Has anyone got a bad credit auto loan? I need one, and can’t seem to find one. I’ve tried applying for a bunch, and can’t seem to get one. I’ve worked at my job about 10 months, rented for about 1 year 2 months, and make about 1500 a month gross. My credit has been awful since June when I stopped paying on about 8 different credit cards. So it’s definately rated at BAD. Any feedback would be great! Thanks in advance!””
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#repost

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Does anyone have any ideas as to where I can borrow about $600 without doing a payday loan?
I don’t have great credit at all as I recently got out of a bad relationship and the guy ruined my credit. I need it to pay off a creditor that is taking me to court on May 18th. Thanks!
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“”I need a car loan, but I have no credit history?””
I was going to put my dad’s car in my name, but it is way too much so I figured maybe I should just start my own payment for a car in my name. I work two part time jobs bringing in on average $450–500 every two weeks so $1000 a month and I’m in college. I want to take out possibly a thousand dollar loan to use as my down payment for a small car that I could afford and pay about $150–200 a month for the payments. I was denied when I asked for a $7000 loan for my dad’s car, but I figured $1000 is a lot smaller and can be paid back easier. I was thinking about taking out a small loan at a local finance company and making payments on that to show some credit history, but I really need a new car by next month.””
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Can FHA(First Home Buyers) buy Foreclosed Auction homes?
Meaning can i a tend auctions and bid on homes with a FHA loan NOT cash… well my closing cost and 3.5% down.
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How much can i expect to pay for insurance first time dr over 21?

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Will i go to jail if i don’t pay a payday loan company back?
I recently and embarrassingly took out a couple of online payday loans to take care of some bills and to help out during the holidays. I’ve been able to make payments on them every pay period except for roughly the past month or so because I was let go from my job. I have a new job now and I fully intend to pay them back but now I have one of them calling me and threatening me to send officers over to escort me to the court house and if I don’t pay a ridiculous amount, I could be facing jail time. I am scared out of my mind. Can someone help me out? Are online payday loans illegal in Kentucky? A friend of mine says that I can’t be arrested for this since there is no debtor’s prison anymore but the debt collectors mentioned something about me writing bad checks or and committing bank fraud which my friend also says I didn’t do and that payday loan companies cannot prosecute criminally without proof of fraud (ie. me closing my account, taking the loan out in a different name, moving, etc). Is my friend correct? Can anyone point me in the right direction to take care of this without jail time?””
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#repost

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Can I even get a home equity loan wiith a credit score of 630?
I am looking to consolidate/ pay off my bills with a home equity loan but I only have a credit score of 630! I am afraid that the credit inquiries will LOWER my score more if I am denied. Should I even bother trying to get one? I don’t want to mess up my credit any more. Are home equity loans credit based?
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Question about filing bankruptcy.?
I know it sounds crazy but I don’t even know who all I owe money to at this point. I DO know that it’s in the thousands. How would I go about finding out who all I owe money to so that way when/if I do file bankruptcy, I’ll have all debts included. Thank You!””
“How do i keep my tax refund if im filing chapter 7 bankruptcy in indiana?

hi im filing bankruptcy and one of the debts i have is out of service DFAS debt. last year they took my tax check and they will do it again this year. if i file bankruptcy now the trustee will probably take my tax refund. my question i guess is can i file an extension and not file this year and file my 09 and 10 taxes together next year so i ddon’tloose my tax refund? what can i do to keep my refund if tthat’s not an option? thanks

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