I have been reading these posts for awhile and what concerns me the most is the tax refund. I am filing this month and I have used my tax refund for past bills such as gas, phone, etc. but I also used it to pay for my lawyor and get my girls a bunkbed do some repairs on the roof , are these things ok? Will the trustee want all of my tax refund? This is what scares me the most. Other than that we have no extra money. What should I aspect?